Everyone doesn’t want to be involved in any kind of accident. However, sometimes there’s nothing you can do to prevent them from happening. In Massachusetts, thousands face the unexpected every year. In fact, for every 100,000 residents of the state, injuries result in an annual 10,915 emergency room visits, 915 hospital admissions, and 43 deaths.
Because of the prevalence of this problem, insurance companies and other relevant entities are all too ready to defend themselves when it comes to providing compensation. That’s why it’s so important to hire a competent and experienced Massachusetts injury lawyer to ensure your rights are protected.
Lots of employers offer long-term disability coverage as part of their benefits package. The problem is that if they do suffer an accident that causes a disability, your coverage will not begin automatically. The fact is that you will still need to file a claim if you want to be compensated, and insurers routinely deny claims. Here are a few of the hurdles you must overcome in order to be approved for long-term disability insurance.
Long-term Disability Requirements
The first step to take when applying for long-term disability benefits is to review your company’s long-term disability policy. You will need to obtain this policy from your employer directly, even if there is an insurer administering your claim. The policy will contain a definition of disability that you will have to meet and what benefits you will receive if you meet that definition.