If you sustained an injury or were diagnosed with a medical condition that will prevent you from working for one year or longer, you may be eligible for long term disability benefits. Long term disability benefits cover roughly 70 per cent of the wages you earned before your injury or illness. These benefits can relieve the financial burden of being unable to work as a result of your health condition.
A Midland long term disability lawyer could help you pursue these and any other benefits to which you may be entitled. Rastin Trial Lawyers could help you collect evidence to support your claim and work diligently to secure the maximum benefits available to you.
The inability to work due to a long term injury or illness can place a tremendous economic strain on you and your family. Long term disability payments can help relieve some of this burden and cover many of the everyday costs as well as those related to hospital bills and other medical expenses. It’s important to note, however, that long term disability is only designed for individuals whose conditions will prevent them from working for at least one year.
You can typically access disability benefits through your employer, or, if you are self-employed, it’s possible to purchase an individual insurance policy with long term disability coverage. To pursue long-term disability benefits of any kind, you will need to file a claim with an insurance company. The insurance company will require extensive supporting evidence before deciding whether payments will be issued.
Admissible evidence can include your treatment records and detailed physician notes. You will need to supply thorough information about the nature of your disability, how it prevents you from working, and the expected duration of the impairment. A lawyer who practices in the Midland area could help you collect all required documentation to support a long-term disability claim.
Many physical and mental impairments could fall under the category of a long term disability if they prevent an individual from working at his or her regular occupation for a prolonged period of time (after the elimination period has passed). If you’re able to work to a certain extent, or your condition is temporary, long term disability coverage may not apply, but in some policies, you may be entitled to partial disability coverage. The verbiage of your disability insurance policy can also impact whether your disability is covered. It is wise to consult with a local lawyer about securing legal assistance for your long term disability claim.
Your disability insurance will determine how long the benefits are to be paid out. Disability compensation is often paid for two years, assuming the individual meets the definition of disability for this entire time. At the end of two years, the insurance company may keep paying long term disability if your condition keeps you from working at all – including work apart from your previous job duties. The initial period of benefits paid out before your disability is reassessed could be longer than two years, depending on the insurer.
A Midland long term disability lawyer from our firm could help you evaluate your options if you are facing a health condition that has left you unable to work. Our team could help you file a prompt claim and help you navigate any issues that may come up in pursuing benefits. Call Rastin Law today to book your consultation with a Midland lawyer.