When Long-Term Disability (and Not Short-Term) Becomes Necessary

A few helpful facts about long-term disability claims
January 3, 2018
Can Mental Illnesses Like Depression Really Lead to Long-Term Disability?
January 18, 2018
Show all

When Long-Term Disability (and Not Short-Term) Becomes Necessary

Why do many people turn to long-term disability? Perhaps a workplace injury has impacted more than your health, making your everyday life a difficult battle. Not only could you miss time at work, which could result in lost income, but you may also have a variety of medical treatments to attend. Nobody plans on becoming disabled, but unfortunately, it could happen to us without notice. Long-term disability insurance is intended to make many of these matters easier on you by covering a portion of your income when you are disabled. If you have become disabled due to an injury you may ask: Why should I consider long-term disability instead of short-term?

Seeing the Differences

disability insurance lawyerPerhaps you have been injured and now you’re facing the possibility of short-term or long-term disability insurance. You may wonder what the differences are between the two. Disabilities are more common than you think due to workplace accidents. For instance, the Council for Disability Awareness has compiled statistics regarding disabilities and how frequently they occur. The average worker has a 30% chance of becoming disabled in the workplace, and about 12% of the population (and growing) already receives disability benefits today. Workplace injuries are causing more and more workers to become disabled every year.

Short-term disability insurance provides coverage for only a limited amount of time, after a short waiting period. Most of the time, this insurance coverage gives you enough time to recover, spanning from a few weeks, to a few months, to a year at times. You will be given a maximum coverage amount for a limited amount of time. Long-term disability, on the other hand, gives you a lot more freedom if you have sustained the most serious of injuries.

With a long-term disability claim, you will prove that you are disabled due to being unable to perform the duties of your job because of the injury you’ve sustained. Your treating doctor will give an opinion about the state of your injury or illness and the claims administrator will take a look at your disability to make their final decision. Some of the notes and documents they will look at are notes left by a doctor, lab results, x-ray results, surgical reports, and more. Perhaps you can also show that your disability is ongoing and that you are still receiving treatment and, if this is the case, you are more likely to get the long-term disability benefits you deserve.

Some of the main injuries and illnesses that call for long-term disability insurance every year include musculoskeletal disorders, cancer, poisoning illnesses, cardiovascular disorders, and mental disorders. You may find that waiting for long-term disability benefits can take a longer time to process, but in the end, you will be able to receive benefits for years.

So, in the end, which is right for you depending on your injury? There may be no doubt that your injury is going to cause you turmoil and hardship for years to come, and so long-term disability may be your main consideration. It doesn’t hurt to ask for assistance in making this decision by calling an insurance lawyer with a focus on long-term disability. Call us today at Edelstein Martin & Nelson at 800-300-0909 or 215-731-9900.