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Disability claims can be denied for any number of reasons Some disability claims are denied for valid reasons including where the claimant was not covered by the insurance plan the cause of the disability is excluded from coverage or the injury or illness is not sufficiently limiting to be considered disabling.

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While not required some employers offer continued health insurance coverage while a worker is on short or long term disability leave Short and long term disability benefits do not cover the cost of health insurance premiums Rather STD and LTD policies pay a percentage of your income while you are unable to work.

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