Injuries are often unavoidable, particularly in the workplace. Something as small as hitting your head or tripping over something on the floor can cause a disabling injury. Although they may be unavoidable, you may be entitled to compensation, especially if the accident left you with a long-term disability.
You may be entitled to workers’ compensation if the accident or injury happened at work. You may also be eligible for long term disability benefits if you are a participant in your company’s group long term disability plan. Keep in mind, though, that applying for long-term disability benefits might not be an easy process. Most of the time, an employer’s insurance policy may be subject to ERISA, and the rules for applying for benefits are often complex and unforgiving. To handle these disabilities in an appropriate manner, be sure to do these steps first.