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Attorneys Gregory Dell and Stephen Jessup answer a frequently asked question: Do I Have to quit my Job Before Applying for Disability Insurance Benefits?<\/strong> In this video and article know your rights when applying for disability insurance benefits. Learn why getting laid off could effect your disability claim and why you should never quit your job before filing for disability benefits.<\/span><\/p>\n GREG DELL<\/strong>: Hi, I\u2019m Greg Dell with attorneys Dell & Schaefer. And I\u2019m here with attorney Steven Jessup. And we\u2019re going to discuss an important question that I received today, which is, \u201cDo I have to quit my job before I apply for disability insurance benefits?\u201d And Stephen, I mean, what do you think about that question?<\/p>\n STEPHEN JESSUP<\/strong>: No. Don\u2019t quit your job. If this is an employer-provided policy, they will all say that the policy ends when employment\u2019s terminated. So if you quit your job and then try to apply after the fact, the insurance company will say, well, you\u2019re not covered.<\/p>\n So when you are applying for disability, usually you just do it while you\u2019re still working.<\/strong> Now if you make the application, you have your date of disability, and then your employer terminates you later, that\u2019s not going to, in almost all circumstances \u2013 there are a few small ones \u2013 but in almost all circumstances, is not going to affect your rights to your disability claim. So I\u2019ve seen it where people like, ah, I just got sick, and I couldn\u2019t do any more, so I quit because I thought they were going to fire me.<\/p>\n And then they make an application. And there\u2019s really not much that can be done. So if you\u2019re thinking about, hey, I might need to, that\u2019s when it\u2019s probably a good idea to even contact an attorney. Don\u2019t even speak with HR because sometimes a lot of people get kind of worried about what could happen with that conversation.<\/p>\n GREG DELL<\/strong>: And this is such a hard and fast rule that I\u2019ve had in several situations where a client calls me and goes, look, I\u2019ve been working for this company. I\u2019ve really been suffering. There\u2019s rumours of layoffs. But I\u2019ve been working through this condition for them for a year.<\/p>\n And I could be laid off tomorrow or the next day. And I tell that person if they lay you off tomorrow, and you have not missed any work or aren\u2019t out of work because of your disability, it is going to be extremely difficult to get your claim approved because not only whether or not you\u2019re disabled under the policy, but there\u2019s going to be a coverage issue. And a coverage issue is the worst one to have to deal with because then you have no policy whatsoever. It doesn\u2019t even matter if you\u2019re disabled.<\/p>\n So in that situation, this is so extreme that I\u2019ve told that client, you better get to your doctor now if you can\u2019t work, and you\u2019re really struggling, and you can\u2019t do it. Go to the ER, get it documented. And if they fire you tomorrow, you\u2019re OK because you\u2019ve already document that issue.<\/p>\n So absolutely never ever quit your job and then think that you\u2019re going to file.<\/strong> So if you have specific questions, and you\u2019re even considering filing for disability, we highly encourage you to contact any of our disability lawyers, whether it\u2019s myself or Stephen. We\u2019re going to answer all of your questions. We\u2019re going to provide you with initial free consultation and review of your disability policy, which you can easily obtain from your employer.<\/p>\n Now you may be worried about asking your employer or HR for this policy. But it\u2019s something that they are required by law to give you. Sometimes you can go online and get it. But we\u2019re really going to need a copy of that policy. And you need to have a copy of that policy so that you as a claimant know what your rights are. So they can\u2019t retaliate against you and fire you because you asked for the policy because that would be a bad situation for them.<\/p>\n STEPHEN JESSUP<\/strong>: And generally, what I even do if people are worried \u2013 and you said you can usually download something. It\u2019s not typically the policy, but you can get lot of claim information. But I\u2019ve told people in the past, they say hey, a financial advisor \u2013 or even if you say I saw it on TV \u2013 said I should have a copy of all my insurance policies be including.<\/p>\n So you ask for all of them. That\u2019s your disability, your life, your dental, your health. They have to make those available. And that kind of doesn\u2019t tip your hat that you might be looking at filing a disability claim.<\/p>\n GREG DELL<\/strong>: Right. So never quit work before filing disability. We hope that you find this video helpful for you and that we can answer your questions. We would love for you to subscribe to our YouTube channel, where we do tons of these videos on a regular basis. And we encourage you to watch some of our other videos. And we\u2019re here for you when you\u2019re ready and you need us. Thank you.<\/p>\n If you have questions regarding how to apply for disability income benefits, our disability insurance lawyers are available nationwide to provide you with an immediate FREE consultation<\/a> to discuss your disability insurance claim.<\/p>\nHow Getting Laid Off Could Effect Your Disability Insurance Claim Approval<\/h2>\n
Your HR Department Is Required By Law To Provide A Copy of Your Disability Insurance Policy<\/h2>\n
Never Quit Work Before Filing For Disability Income Benefits<\/h2>\n