Becoming injured or sick to the point that you are unable to work can take a toll on your finances. Lost wages and medical bills can add up and prove to be a considerable financial burden. Some may consider applying for disability benefits, but Social Security disability benefits do not cover conditions that last less than one year. Fortunately, many companies in Texas provide short-term disability insurance coverage for their employees.
Short-term disability is typically provided through a worker’s health care insurance, and some may find that they are covered through their private insurance. Temporary medical conditions and injuries are considered short-term disabilities and their duration is usually about six months. If short-term disability is not an option, the Family and Medical Leave Act (FMLA) grants a worker up to 12 weeks of unpaid medical leave, and will also secure a worker’s job until they return from leave. However, to qualify for FMLA, and employee must have worked at least 1,250 hours in the previous 12 months. A common use of FMLA involves women who choose to take maternity leave. Whether or not your insurance covers your pregnancy and child’s birth will depend on the employer, but the Pregnancy Disability Act ensures that a pregnancy can be recognized as a short-term disability.
Obtaining the financial coverage you need may not be easy in Texas, especially if the insurance provider does not pay what you are owed or fails to recognize your disabling condition. You also have to meet specific requirements in order to receive short term disability benefits. Contacting an experienced disability lawyer can be beneficial if you are having difficulty obtaining the coverage you need. A lawyer can help you to prove that your condition meets disability requirements, help you receive the full amount of benefits, and work to reduce payment waiting periods.