Q: Private Short Term Disability and Worker's Compensation Payments.
I contracted COVID-19 from my work as a Nurse. I stayed in bed for a week and then 18 days in the ICU. I am on home O2 Therapy for the present time as I continue to suffer from significant shortness of breath among other issues.
A Worker's compensation case has been initiated by my employer and approved by the worker's compensation carrier. I did not apply for this worker's compensation benefit.
Additionally, I have two short term disability policies. One that I have purchased individually and one that I get from my employment. I pay for both premiums with after-tax money. I have filed for benefits under these two policies. These two policies have approved my claims as well.
I need guidance as to what I am entitled to receive. I do not want to be double-dipping. Do I need legal representation?
A: You'd want to make sure that each of these providers -workers compensation and the two private disability insurers- are aware that you are receiving or have been approved for other benefits, and the amounts. The long-term effects of covid-19 are still under investigation may take years to fully ascertain. If you have sustained some type of lasting or permanent injury due to your infection you may be eligible for monetary benefits through workers compensation that are not available under private disability policies. The workers compensation carrier is likewise obligated to pay all of the medical costs associated with your care.
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