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We see a lot of great questions in our Answers community every day. Here’s a look at some recent questions relating to disability insurance from our FindLaw Answers boards:

Whether you go for short-term or long-term disability insurance, either form will give you some amount of added security against the possibility of losing income from an injury or illness. There are pros and cons to each form of disability insurance. So deciding which policy is right for you basically depends on your age, occupation, health, and financial circumstances.

Like the name suggests, short-term disability insurance provides benefits for a relatively short period of time (between three months and two years). Though benefits don’t last long, policies are less expensive than long-term policies. Long-term disability policies, on the other hand, can last until the policyholder reaches 75 years old – or as long as he or she remains disabled. To determine which policy is right for you, discuss your situation with a local disability lawyer.

2. I filed a claim with my disability

insurance provider after I suffered a work-related injury that forced me to stop working. My claim was denied. What should I do next?

This poster was injured on the job, leaving him or her no longer able to work. Adding insult to injury, since the disability claim was denied, he or she is now left without an income to pay off mounting medical bills. No wonder the poster is frustrated – it seems like a no-win situation…

Luckily, most disability plans have an appeals process. Oftentimes, claims are denied because documents are missing, or because further medical examinations are required.

  • Have an disability claim? Get your claim reviewed for free. (Consumer Injury)Disability Insurance Claim Denied? What Can You Do Next? (FindLaw’s Injured)Top Disability Insurance Legal Questions From FindLaw Answers (FindLaw’s Learn About The Law)

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