No matter how strong you think your case may be for personal injury and your subsequent claims for compensation and damages, there’s still no guarantee that you will be awarded what you seek, especially if you go it alone. The most ideal situation you can do is to hire a personal injury lawyer that can help you take on the process step by step.Read More »
In case you would like to apply for long term disability benefits, know that there are stringent policies surrounding it, which you must adhere to strictly. Although there may be a way for you to conduct the necessary procedures on your own, because of the sheer amount of paperwork and legal technicalities you may be confronted with, it’s much better if you seek the help of a lawyer.Read More »
Being disabled due to an injury or illness can lead to losing work hours and salary. Therefore, hiring LTD lawyers in Northampton is in your best interest. In most cases, Long Term Disability (LTD) insurance companies are not impartial, which means they protect their financial interests over yours and will try to reject as many claims possible. This is the reason why it is highly recommended to get professional legal assistance to represent your case.Read More »
Not every personal entitles the injured person to compensation for his pain and suffering. However, it is all too often the case that when a person does suffer an injury caused by the negligence of another, for example in an auto accident, the insurer for the negligent party does everything it can to delay or avoid paying just compensation. The people of Massachusetts deserve better and they need to know when they require the help of a Massachusetts personal injury lawyer.
If an insurer will not pay workers compensation
Massachusetts workers’ compensation laws protect employees in the case of injuries arising out of and in the course of employment. The law provides that employers must carry workers’ compensation insurance, and that insurers must pay weekly wage replacement benefits and other benefits on valid claims.
Workers compensation is a type of compulsory insurance, provided by employers for their employees, that provides wage replacement, medical expenses coverage and other benefits to employees for injuries arising out of and in the course of employment. As part of the grand bargain that led to employers having to carry this kind of insurance, workers’ compensation law prohibits employees from suing their employers if they are injured do to their employers’ negligence. So for example, if an employer negligently fails to provide a guardrail and because of that an employee falls and is injured, the employee would be entitled to workers’ compensation benefits but could not sue the employer for pain and suffering and other damages the way that he could if the accident happened at a store or a restaurant rather than at his place of employment.
Long Term Disability (LTD) is a means of recuperating a portion of your income over an extended period of time if you are injured and cannot work due to an injury or illness.
You must either carry long term disability insurer purchased directly from an insurer or be a participant in a long term disability plan sponsored by your employer or union to be eligible for benefits. If an illness or injury prevents you from working, and if you have been disabled through what insurers call an ‘elimination period,’ then you can apply for benefits. You can begin the process by notifying your insurer or insurance representative, or by notifying the human resources department at your place of employment.
Each year, thousands of people file long term disability claims after becoming injured or sick, or after a long, chronic illness or injury makes them unable to continue working. The long-term disability claims process can be tedious and complicated. Understanding the process is therefore important for those who are applying for benefits or may have to apply for them at som point. Many people also choose to seek help from reputable lawyers in Northampton, MA in order to make the process smoother.
Providing the right information is key
The long-term disability claim application process involves first notifying the employer or insurer of your need to file a claim. The insurer or employer supplies forms that the applicant must complete and return. There are also forms for the person’s treating physicians to complete and return.