The past few months have heralded an unprecedented situation. Millions of Americans are being laid off as COVID-19 shuts down businesses throughout the nation. This is frightening for everyone. It is doubly difficult for workers who have physical or mental limitations. For those workers, the specter of finding a new job in this economy, one that can accommodate their often significant limitations, may be overwhelming.
Workers experiencing health issues — including cognitive issues or mental illnesses — who have been having difficulties performing their jobs because of those limitations but have been fighting through them, may well be among the first to be laid off as underperformers. While these workers are in fact impressive in their drive to keep working in the face of daunting health issues, that very refusal to admit defeat may result in unemployment and a lack of income for them.
If you are among these workers, now is the time to evaluate whether a disability claim makes sense for you. While you still have access to your job-related insurance, you can preserve some of your income and access to health insurance. If you have ongoing medical issues for which you have already been treating that significantly impact your ability to work, be it physical pain, chronic illness, depression, anxiety, or auto-immune issues, talk to your doctor about whether he or she would recommend disability for you.
These are claims you want to make before your employment ends. You can still make them after receiving a WARN letter, or notice of impending termination. It is much more difficult to make a claim for disability retroactively after your employment ends. Consider now if this is a choice that makes sense for you, while you still have insurance.
If you have questions about how you and your insurance benefits may be affected by COVID-19, please call Kantor & Kantor for a free consultation at 800-446-7529 or use our online contact form. We understand, and we can help.