Long-Term vs. Short-Term Disability Insurance

Difference Between Long-Term and Short-Term Disabilities

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Dallas & Houston Disability Insurance Claims Lawyers

If you are the main financial provider to your family, you may wonder what consequences a disability could have on your life. Developing a disability either from an illness or an injury can be difficult to handle, especially if you can no longer receive a paycheck. Fortunately, there are two types of disability insurance programs that can help you. However, many insurance companies act in bad faith and may not pay on your claim.

If you have short-term or long-term disability insurance coverage, it is important that your insurance company offers you the benefits you deserve. If your insurance refuses to cover your rightful claim, you can take legal action. Contact a knowledgeable Dallas insurance bad faith lawyer of Grisham & Kendall, PLLC, today at (713) 999-5085 and schedule a consultation to discuss your legal options.



5 of 5 stars rating

My wife and I thought we were heading into a complicated legal odyssey with a destroyed commercial property until we hired Bill Kendall. His sustained focus and hard work was so effective that we had a great settlement within hours of the first deposition.

F. Jones - Multi-Family Property Claim (Dallas, TX)
5 of 5 stars rating

Our large hotel was severely damaged by hail. After significant delays by the insurance company, our claim was denied. We hired Bill Kendall and Grisham & Kendall soon after. Through Bill’s efforts during our lawsuit, we were able to reach a favorable settlement close to trial. We would certainly recommend Grisham & Kendall, PLLC to any property owner whose insurance company isn’t treating them fairly.

D. Patel - Hotel Hail Claim


Difference Between Long-Term and Short-Term Disabilities

Both long-term and short-term disability insurance pays you a percentage – usually 40% to 65%– of the salary you would be making if you could go to work. Long-term disability insurance pays you these benefits if your disability will keep you out of work for at least a year.

On the other hand, some illnesses or injuries heal within a year. To be prepared for these situations, you can purchase short-term disability insurance. Short-term disability insurance usually pays you for a shorter period of time, typically only 10 to 26 weeks.

Contact Us

If you have upheld your contract with your disability insurance provider, it is important that you receive the benefits you deserve should you suffer from a disability. If your provider has wrongfully denied or delayed your claim, contact a Dallas & Houston disability claims attorney of Grisham & Kendall, PLLC, today at (713) 999-5085.