Doctors, dentists, attorneys, CEOs or any other professional with high income who unfortunately become disabled, have a lot to take into account apart from their medical condition and the prognosis. When the disability is diagnosed, it is common to feel depressed and think that everything has come to an abrupt halt. Irrespective of the economic status, the shock and trauma upon knowing about the disability is numbing for every individual.
While your doctors decide on the most suitable course of treatment for you, you tend to ponder on short and long term consequences. In some cases, when odds are in favor, the medical treatment does ensure complete recovery. But in other unfortunate situations, you might not have any way of knowing the future of your disability except waiting for the right time. And during the treatment and probably immediately after it, you even may not be able to work, at least for some period of time.
At this juncture you must consider filing disability claims for long term benefits. A high income professional like you also ought to carefully consider the most beneficial way to file long term disability claims as a lot is at stake for you like your constant flow of income, your lifestyle and the retirement plans etc. Thus, it becomes imperative to evaluate all options regarding disability claim and how and when to go ahead with the procedure.
The big question however is whether to proceed on your own or hire a specialist ? Experienced long term disability lawyers are an option you can consider. You might ponder, when you have paid premiums for around two decades, why engage another professional and pay them as well ? You might even even think that at this stage you legitimately can no longer work, so it should be a simple case of filing your claims and get the advantages you are entitled to by letting the insurance company know about it. The entire process can be as simple as it sounds if we were living in an ideal world. However, the world isn't perfect. Alas! The insurance firms carefully review claims especially those that involve long term and potentially large liability payments on their behalf.
Filing disability claims generally is a complex process. A lot of people facing disability understandably have no experience filing a claim, and at this point when they are not well, it is difficult to think intelligibly which they need to win the case. A simple mistake from your end can cost you a lot. Hence, first carefully understand what you have at risk, and wisely opt for the next step considering the options that make the most sense and are best for you.
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