Many Massachusetts residents are dealing with long-term disabilities such as spinal injuries. The effects of these disabilities are long-lasting and can severely alter a person’s life. When a person’s spine is damaged, it may result in their vertebrae becoming herniated or traumatized in some other fashion. As a result, they can experience back pain, temporary or permanent paralysis, and neurological symptoms.
Spinal injuries are very delicate because they can permanently alter the way a person’s body operates. Some spinal injury patients will need long-term assistance, surgery, or rehabilitation. Spinal injuries leading to long-term disability can result from a personal injury such as an auto accident, a workplace injury or some other kind of trauma. The health care associated with these kinds of long-term disability is often costly.
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.
Suffering a severe injury may mean losing the ability to continue working and earning a living. This can cause you a lot of stress if you are used to working and especially if you have to provide for a family. Fortunately, you may be able to seek long term disability benefits if you are a participant in your company’s long term disability plan and use them as a financial aid in paying for medical bills, monthly bills and other costs.
The process of filing for long term disability may seem a little complicated at first, but it does not have to be if you are proactive and consider these steps, which will help you receive this type of disability benefit as quickly as possible.
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.
It is all too easy for people to live their day to day lives without considering the need for long term disability insurance. But a sudden accident or a difficult diagnosis can leave a person without the ability to earn a living. This is a potential problem for most people, because the average person in Massachusetts does not have enough savings to continue living the same quality of life as before a disabling event. If you need to take time off work due to an illness or injury, long term disability insurance can provide much needed income during a very difficult time. Additionally, long term disability may come into play once your short term disability benefits have ended.
Who Might Need Long Term Disability?
This is a good question. Statistically, one in three individuals becomes disabled for a period of more than 90 days at some time over the course of his life between age 35 and age 65.
A lot of people think that they don’t need disability insurance. But studies now show that 3 out of 10 employees ages 25 to 65 will experience a disability or illness that will affect their ability to work for at least a three-month period. If you depend on income from your salary to live month to month, you cannot afford to lose your income for months on end, especially at a time when you will have increased medical bills, including costly copays.
If your incapacity from work is arising out of and in the course of employment, you will likely be entitled to weekly workers’ compensation benefits. But if your injury is not work related, you’ll need to replace your lost income some other way. This is where long term disability insurance comes into play.
You can often obtain both short term and a long term disability insurance from your employer.