Facing a Disability? Choose Disability Claims Type Wisely

Brief Overview on Various Disabilities

Disabilities can be of many different types, some mental and some physical. People are not always born with a disability. They might acquire it during the course of their life.

 There’s a long list of physical disability including walking, hearing, sight or even failing to move a certain part of the body. Some of the cases might seem trivial like poor vision or inability to hear out of both ears but they are definitely considered as disabilities.

Even if a person has hard-time talking and conversing with different people, he/she might be at a risk of facing mental disability. If you cannot think for yourself easily then it also counts as a type of mental disability. Individuals suffering from dyslexia have trouble with letters and numbers and they certainly have hard time thinking as compared to average human being. Thus, dyslexia is counted as a disability.

Types of Disability Claims

When it comes to disability claims, there are two types: Long term disability claims and short term disability claims. Depending on the medical condition, you may be eligible for both types of insurance through your employer in the form of a group plan. If your employer doesn’t provide you with these benefits, you can claim the benefits directly through an insurance company on an individual basis.

Short-term Disability or Long-term Disability? Confused?

The application of claim is quite uniform amongst majority of the insurance companies. They require a completely filed application, an insurance medical exam, a telephonic interview and a proof of income tax returns. An average duration for a policy to get the approval is 3-8 weeks. However, the dilemma that many individuals face is whether to claim for short-term or long-term disability.

Conventionally, a short-term disability policy has 7-14 days of waiting period and 3-6 months of benefit period. In most situations, short-term disability claims are intended to pay the benefits while a person is waiting for his/her long-term disability policy. Additionally, short-term disability insurance pays for the expenses for relatively shorter periods and serves as a protection against minor injuries or sickness but not something major.

On the other hand, as per the terms of long-term disability insurance policy, a person becomes eligible for benefits only after 90 days of disability. He/she will continue to get the benefits for five years, ten years or till retirement depending on what was opted during the filing of the claim. A long-term disability program is a life-line for persons who are struggling to pay for their medical and other daily expenses.

Importance of Disability Policies & Choosing a Disability Lawyer

Amid our daily professionals and personal life, most of us never expect or assume that we can face disability. Image a scenario when your daily source of income ceases due to disability. And as a result, we are no longer able to support our everyday expenses and loans. In such grim circumstances, it is these disability policies that help a disabled individual to sail through.

It is advisable that if you do not get benefits from your workplace and opt for individual coverage then you should hire a specialist lawyer who can trust and helps you throughout the entire claim process. A professional attorney can assist you by finding and advising about the best and rightful policy for your disability.

Source: http://socyberty.com/law/facing-a-disability-choose-disability-claims-type-wisely/

A must read before filing your short-term disability claim

Most of us have been insuring our cars, homes or health to reimburse anticipated cost in case of any damage. But have you ever thought you can lose your income as you can no longer work due to injury or illness? If you are amongst those unfortunate people who are forced to be temporarily out of work due short-term disability then you should be aware of certain facts. 

An individual can generally incur short-term disability benefits from 90 days to one year whether it's through their employer or insurance program of their own. So, while your disability blocked you from working and consequently paying your mortgage and other daily expenses, disability benefits will compensate for 60 – 70 percent of your regular earnings. 

There can be number of different types of disability that a person can face for which he may have to file a short-term disability claims. They can be broken bones, spinal injuries, injuries sustained due to vehicle accidents or mental trauma. There are also few factors due to which one's short-term insurance plans vary such as its scope of coverage, benefits included for which the individual is eligible, duration of impairment etc. 

To be eligible for the benefits of short-term disability insurance, firstly you need to duly fill the required claim forms and along with it submit the necessary medical documents with regard to your injury or illness and also the documents from your employer that mention your period of absence from the work. 

Before filing for disability, you must also be aware of the primary parameters on which the cost of your short-term disability insurance depend – 1. Applicant's health: Better the health, lesser you will pay for insurance. 2. Applicant's income: Greater the benefits, more expensive will be your disability coverage. The benefit you qualify for with an impairment insurance plan will be a percentage of your income. 

However, due to somewhat complex procedure of claims filing, in some occasions you may have to wait for a certain period to be eligible for availing the benefits. Moreover, every insurance plan cannot give you equal advantage. But, if you choose the best plan you can get desired benefits. You must also note that more often than not social security disability claims are denied on the first occasion. This is where it is advisable to hire the services of expert law firms or attorneys. 

A professional disability claim lawyer can help you with filing of complicated forms, collecting documents and choosing right policy for you. He/She can thus increase the chances of getting an approval and rightful compensation. A lawyer has sufficient experience, resources and skill to handle your case and even support you emotionally during your difficult times.

Don't quit, stand up for your short term disability claims!

A mishap or illness can drastically change your life and your perspective towards it. But your responsibilities, bills, and requirements will not cease. As a matter of fact, in these circumstances, your expenses could be even more as you need to pay for medicines as well as doctor's fees. Receiving the short term disability claims that you're owed by your insurance agency or employer is vital to your recuperation and stability. And if you are over age of 65 years or if you were hurt on the job then you need to apply for social security disability or worker's compensation cell.However, filling for disability claims properly is important factor to receiving the coverage you may need.

Majority of claims are rejected because people make minor mistakes while applying and this can prove crucial. Following are some of the points your need to take care off to get the approval.

• Take a note of pre-purchased disability policy paid by you
• Never submit any fake document or information while claiming your rights
• Thoroughly get the knowledge of rules laid by the state of your residence in the matters of disability
• You must understand your employer's liability for short term disability

Moreover, there exists a group of people who are facing disability and aware of their rights yet they prefer not to claim for it as they don't want to go through tedious and lengthy legal process of disability claims. Their concern is obvious because of the very complicated procedure which can generally take a long duration to get settled. Also, to successfully get approval of disability claim you need thorough knowledge of the policies.

Hence, it is advisable to hire a professional and experienced disability lawyer. Disability lawyers are a great resource in such difficult times and their know-how of legal policies can help you to understand all existing rules so that you can sail through. Irrespective of the seriousness of your injury and recovery period, your attorney will assist you and you won't have to face any hassles.