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Disability insurance in Cali, Colombia is governed by both national and local legal frameworks that protect workers who become unable to perform their jobs due to illness or injury. Disability insurance, known locally as "seguro de incapacidad" or "incapacidad laboral," is primarily provided through the country's social security system, known as the Sistema General de Seguridad Social en Salud (SGSSS) and administered by entities like EPS (Entidades Promotoras de Salud) and ARL (Administradora de Riesgos Laborales). In Cali, both employees in the formal sector and self-employed individuals who contribute to the system may be eligible for disability benefits if they meet specific medical and legal criteria. The law aims to provide financial support and safeguard the rights of disabled individuals, ensuring their access to medical, rehabilitative, and economic benefits.
While some disability insurance claims proceed smoothly, many people in Cali encounter challenges when filing for disability benefits. Common reasons to seek a lawyer's assistance include:
Legal professionals can guide you through the process, help collect and present the necessary evidence, negotiate with the relevant institutions, and uphold your rights.
Colombian law, applicable in Cali, ensures that people who cannot work due to illness or workplace accidents receive appropriate support. The main legal frameworks include:
Local enforcement and practical implementation may vary, so having up-to-date guidance is essential.
Disability insurance provides financial and healthcare support to people who cannot work due to illness or injury, either from general health issues or occupational risks.
Formally employed or self-employed individuals contributing to the social security system are eligible if a medical condition prevents them from working, as certified by an authorized doctor.
Begin by visiting your EPS, ARL, or pension fund administrator with relevant medical documentation. They will initiate the evaluation and determine your eligibility.
Typically, you need medical reports, a disability certificate, employment records, and identification documents. Additional paperwork may be required depending on the case.
A qualified medical professional or board evaluates your medical condition, the extent of your incapacity, and your ability to perform your job, using official criteria established by law.
You have the right to appeal the decision. A lawyer can help you file an appeal, gather additional evidence, and represent you in administrative or judicial proceedings.
There are temporary and permanent disabilities, and each can be partial or total, depending on your ability to work and your specific condition.
No, Colombian law protects disabled workers from unfair dismissal and obliges employers to make reasonable accommodations. Dismissal during a disability must be justified and follow strict procedures.
Processing times vary by case and institution, but many claims are resolved within a few weeks to a few months. Delays are possible, especially if there are disputes or missing documents.
While not mandatory, a lawyer’s help can be valuable if your case is complex, disputed, or denied, or if you need help navigating the procedures and paperwork.
If you need more information or assistance regarding disability insurance in Cali, consider contacting the following:
If you are considering a disability claim in Cali or believe your rights have been violated, follow these steps:
Timely action is important, as some procedures are subject to deadlines. Legal advice can make a significant difference in the outcome of your case.
