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Jacksonville, Florida 32217

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Why should I obtain Long Term and/or Short Term disability coverage?

While you may think it will never happen to you, there is a very good chance that you will suffer an injury, sickness or illness sometime in your life that may affect your ability to work.  According to the Social Security Administration, 20 year old workers have a 1 in 4 chance of becoming disabled by age 67.  With the average American drawing disability benefits being 50 years of age and the average benefit being only $1,113 it is important to have additional coverage if you become disabled.

Many employers offer both short term and long term disability benefits as part of your employment benefits.  Typically, short term disability will allow for benefits for three to six months if you are unable to return to your occupation.  Long term disability allows for the payment of benefits if your disability is more permanent and will typically pay benefits until the age of 65.  Short term and long term disability benefit policies are also available for purchase even if your employer doesn’t provide them or if you are self employed

At the Law Office of Erik W. Berger we have seen many individuals be able to continue to provide for their families despite experiencing a significant injury or illness because they had a short term or long term disability policy in place when they became unable to work.  If you are thinking about filing for short term or long term disability benefits or if your insurance company has terminated or denied you your benefits contact us immediately for a free consultation.

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