Practice Areas > Disabilities
Disabilities

Understanding your plan's definition of disability can be key to qualifying for disability benefits. The definition of disability varies depending on your insurance policy. Many private disability insurance policies provide benefits if injury or illness prevents you from meeting the duties of your current job. Others, like Social Security disability insurance, use stricter definitions of disability, which will only provide benefits if you can no longer do any job at all. Some policies require you to be unable to work for several months before receiving benefits, but other policies, like short-term disability insurance, only provide benefits for a limited time.

Applying for Benefits

If your disability insurance is provided by an employer, federal regulations establish strict requirements for processing and responding to your claims. Your insurance provider is required to inform you of your plan's requirements, including any time limits and deadlines for filing and any conditions that can be excluded from disability coverage. If you are applying for Social Security disability insurance, you'll need to provide detailed information regarding your disability.

While many disability claims are initially denied, Social Security disability insurance, and many private policies, do allow you to appeal a denial, often several times.

Changes may occur in this area of law. The information provided is brought to you as a public service, and is intended to help you better understand the law in general. It is not intended to be legal advice regarding your particular problem or substitute for the advice of a lawyer.

Back to Top

Contact Us

(800) 342-8011

The Florida Bar Lawyer Referral Service

651 E. Jefferson St.

Tallahassee, FL 32399

Monday - Friday 8:00am - 5:30pm

Submit a Request

"To inculate in its members the principles of duty and service to the public, to improve the administration of justice, and to advance the science of jurisprudence."

- From the Rules Regulating the Florida Bar