Do I Have to Quit My Job Before Applying for Disability?
The term “disabled” is generally seen as synonymous with “unable to work.” But do you really need to quit your job before you apply for long term disability insurance benefits? Because many long term disability policies are provided through an employer, quitting your job could mean losing your coverage entirely. Learn more about how your employment status could impact your claim for disability benefits and how a disability insurance attorney can help.
How Getting Laid Off Could Affect Your Disability Insurance Claim Approval
In the legal field, there are fairly few hard-and-fast rules – everything from the interpretation of a contract provision to which court is the proper venue can seem like a question up for debate. But when it comes to disability claims, there are two things it’s crucial to keep in mind:
- Don’t quit your job because you’re unable to work or afraid you’ll be fired; and
- Document your injury before you’re laid off, not after.
If you quit your job, you’re likely to lose your disability insurance coverage. And if you’re laid off or furloughed, you may also lose your disability insurance coverage – but if you’ve already documented that you have an injury that limits your ability to work, you may still be able to make a disability insurance claim under the long term disability policy. You may want to consult a disability insurance attorney early in the process to see when it makes sense to submit a disability claim and how to appeal a potential denial of coverage.
Your HR Department Is Required By Law To Provide A Copy of Your Disability Insurance Policy
In some cases, especially if you have a large employer, you may be able to access a copy of your disability carrier’s insurance policy online. But if you can’t find it, your employer’s human resources (HR) department is required by law to provide you with a copy of your disability insurance policy upon request. Federal and state laws prohibit employers from retaliating against an employee on the basis of their disability (including a suspicion that the employee is about to seek disability insurance benefits) – but if you’re worried about tipping your hand, you can easily tell the HR representative that your financial advisor, insurance agent, or estate lawyer instructed you to get copies of all your insurance policies, including life, health, and dental.
Never Quit Work Before Filing For Disability Income Benefits
We’ll say it again: never quit your job before you file for long term disability benefits. Voluntarily quitting employment (even if quitting may seem involuntary because of the effects of your disability) denies you many of the legal and financial protections you’d enjoy if you were laid off or furloughed.
For questions about how to apply for disability income benefits, contact Dell & Schaefer today. Our network of experienced disability insurance attorneys practice in every state, and we can provide you with a free initial consultation to discuss the merits of your disability insurance claim.
Resources to Help You Win Disability Benefits
Get Your Disability Application Approved
Prevent a Disability Benefit Denial
Negotiate a Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
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Reviews from Our Clients
Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.