Q: Do I have to be physically incapacitated to make a claim for disability benefits?

No. Disability is defined in the insurance policy. Most policies relate disability to inability to perform the important duties of an occupation.

Q: Can I collect benefits immediately?

Generally speaking, disability policies have an elimination or waiting period before benefits are payable.

Q: What should I do if the elimination period has run and the disability insurer still is not paying my claim?

Florida law provides a statutory period for either payment or denial of a claim. If the insurer does not pay by the end of the elimination period, you should seek legal advice.