Is Back Pain Interfering With Your Job? Short-Term Disability May Be An Option.
Back pain is a daily reality for millions of workers in Louisiana and throughout the United States. If your back pain has become unmanageable, and it is now difficult or impossible to work, short-term disability may provide the relief you need. Unfortunately, qualifying for disability benefits can be more complicated and frustrating than you were expecting.
The good news is that you don’t need to face these challenges alone. Instead, contact Toledano Disability Law. Firm founder Reagan Toledano is well known throughout the region for his skill and effectiveness in ERISA disability claims and appeals. He understands the tactics insurance companies use to deny claims, and he knows how to counter them. If your case needs to go to trial, he is as comfortable in the courtroom as he is at the negotiation table.
The Process Starts By Understanding Your Coverage
When private-sector employers offer benefits like short-term disability insurance, those benefits are regulated by the Employee Retirement Income Security Act, or ERISA. This provides some uniformity and predictability, but plans can still vary widely by employer and by state. Most workers have little idea what their benefits are until they need to utilize them.
If you’re confused about your benefits and coverage or need help with a claim, it is wise to consult an experienced ERISA attorney like Mr. Toledano. He can help you find answers to questions like:
- Does your company offer short-term disability (STD) benefits?
- Do back pain and related injuries qualify for STD benefits?
- How long would STD benefits last for your specific condition?
- What percentage of your usual pay will you receive while on short-term disability?
When you are suffering from severe back pain, even finding answers to basic questions like these can feel overwhelming. Attorney Toledano can answer your questions quickly, explain your legal options clearly, and help guide you through the ERISA claims process and any necessary appeals.
Does Your Back Pain Prevent You From Working?
One of the most important questions when considering short-term disability is whether your condition makes it difficult or impossible to do your job. Back pain – and related treatment – often does make work impossible. This is certainly true for labor-intensive jobs with significant bending and lifting, but it is often also true in jobs where an employee works entirely or primarily at a computer.
If you need surgery to correct your back pain, a doctor may warn you that recovery can take months. During that time, even sitting at a desk is going to be too much for your body to handle. With that kind of prognosis, it makes sense to seek short-term (or even long-term) disability benefits.
Documentation And Medical Records Are Crucial
The insurance company administering the disability plan likely won’t approve anything without extensive medical documentation and statements from medical professionals. Insurers may demand a diagnosis, a prognosis, a treatment plan and an estimated return-to-work date at the very least.
Many doctors understand this and are happy to help if they can. But they may not know which documents you need or how to best present your case to the insurance company for approval. Plus, they are busy and typically do not have the time to do anything more than sign documents and provide short statements about your condition.
This is one of many reasons to work with attorney Reagan Toledano. As a highly experienced and knowledgeable ERISA attorney, he knows what insurance companies are looking for and what objections they are likely to raise. He can work directly with you and your physician to find or generate the necessary medical paperwork for your short-term disability claim.
Contact The Firm Today To Discuss Your Case
Toledano Disability Law is based in New Orleans, and the firm represents clients nationwide in ERISA-related matters. To learn more about your legal options and how Reagan Toledano can help you, call 877-281-4789 or submit an online contact form.