Disability Eligibility for Workers Laid Off During COVID-19
The law may entitle you to disability insurance benefits if you cannot continue working due to a personal injury or illness. The novel COVID-19 pandemic has led to many questions for those who are out of work due to the illness. Insurance providers have not always made it clear whether or not they will pay out claims connected to the coronavirus. Learn more about your specific disability coverage related to a COVID-19 layoff with help from an attorney in Phoenix.
Importance of Medical History
You may be eligible for disability insurance benefits connected to COVID-19 if you can prove, using your medical history, that you have a severe health condition that prevents you from working. If your boss laid you off due to COVID-19, you will need to demonstrate that you have a disabling condition to qualify for insurance benefits. Your medical history must show evidence of a severe condition that makes it impossible to complete the required tasks of your job, even with modifications. If your disabling condition arose from having COVID-19, you will need medical evidence to back this up before an insurance company will issue disability benefits.
Importance of Work History
Having a solid work history can help you during a disability insurance claim. Claims analysts and judges tend to look more favorably on claimants with full-time work histories. This shows that you would rather work than accept disability benefits, but you have no choice due to your current illness or injury. Apply for disability benefits after being laid off sooner rather than later. Applying after a long period of unemployment can reduce your chances of receiving disability coverage.
Importance of Age
In general, older workers have better odds of obtaining disability insurance coverage connected to COVID-19. First, older adults are more likely to experience severe illnesses and complications due to COVID-19, according to the Centers for Disease Control and Prevention. Senior citizens are more likely to suffer disabilities connected to the coronavirus. Second, workers over the age of 55 are more vulnerable to layoffs. Companies are more likely to lay off older workers who earn more money than their younger counterparts.
Third, the Bureau of Labor Statistics has found that almost 50% of workers 55 years old and older are unable to telework. Less than 10% of seniors 55 and older were able to telework at the start of COVID-19 and did telework. The low percentage of seniors able to work remotely means a higher number of older people laid off due to the virus. If you fall into this category, you may be more likely to qualify for COVID-19 disability benefits.
If You Feel Your Claim Has Been Wrongfully Denied
If you applied for disability insurance coverage connected to a COVID-19 layoff and your insurer denied you, contact a bad faith insurance lawyer in Phoenix for a free consultation. You may be the victim of insurance bad faith if the company has wrongfully denied your claim. A wrongful denial is a denial of disability benefits or insurance coverage even if you have purchased an insurance policy that covers your specific loss and have kept up with your payments. Wrongful denials are a type of insurance bad faith.
Insurance bad faith means the company is not handling your case the same way a reasonable insurer would in the same situation. Instead, it is handling your case dishonestly or unfairly. You have rights as the victim of insurance bad faith during COVID-19. An insurance lawyer can help you protect them by going up against a company on your behalf. A lawyer may be able to force the insurance company to treat you more fairly, such as by accepting your disability claim and offering benefits. Consulting with an attorney during COVID-19 can ensure the protection of your rights as a worker.