Short term disability claims will require different steps depending on your insurance as well as your disability. There are some basic and universal requirements, but there are also some particulars you should be aware of.
Basic Requirements
If you were hurt on the job, you will be eligible for workers compensation and not disability. Do not file a claim for an on the job injury.
Save all of your paper work from the doctor or hospital. Any contact you have with a medical professional may be used to verify or deny your claim, so it is essential you keep good records.
Save all of your paper work for the insurance claims. Any contact you have with the company should be documented.
Specific Requirements
Injury compensation typically starts immediately. It is easier for insurance companies to verify an injury will keep you out of work, and you should be eligible from day one.
Illness compensation may be delayed a week or longer. The insurance company needs to assure you will actually be prevented from working for an extended period of time prior to beginning your reimbursement.
Check with your employer as well as your insurance company. Your employer cannot be paying you for the time you are out of work; if they are, then you will not be eligible for disability payments.
