Suffering from a Long-Term Disability Prior to Retirement
As the US economy is getting back from a recession, lots and lots of people are seeking employment in order to keep ends meet. With so many people vying for limited positions, it may understandable why people who get injured while working in their jobs are easily replaced. This is the reason why it is important for every worker to understand how they can get compensation, and most importantly disability claims, so that they can have some money while recuperating from sickness or injury.
Long-term disability is one of the things that can be one of the most important things that every workers needs to know – particularly since 30 percent of 20 year old workers end up with some form of a disabling injury before their retirement. Long-term disability is an insurance benefit that helps cover a portion of a worker’s salary during long periods of time where they can’t return to work. This benefit usually takes over once the short-term disability benefit runs out.
When you have been denied to claim any benefits by the long-term disability insurance company, they won’t be able to provide you any benefits, not until you have filed for an appeal or a lawsuit. If the disability company seems to be dragging their feet when it comes to paying the worker (90 days without paid disability while claiming to evaluate your claims) would call for a lawyer to help. It is essential to have a lawyer with proper knowledge of the matter to help in dealing with these insurance companies.