Disability insurance should cover you in the event of a serious injury that prevents you from working. If you’re having trouble getting the benefits you deserve, work with a Glendale disability attorney.
Being injured in an accident is frustrating enough, but when those injuries are serious enough to lead to a long-term disability, the situation becomes more than just an annoyance. Without the right financial and medical coverage, your disability could lead to an inability to complete the most basic day-to-day functions.
Luckily, the law is likely on your side in situations like this. If you have a commercial long-term disability insurance policy through your employer or a personal purchase, you can gather the compensation you need to maintain your quality of life. But in order to successfully file a claim with this policy and obtain the full suite of benefits you need, you may need the help of a Glendale disability lawyer from Haffner Law.
What Is Long-Term Disability?
Unlike workers compensation insurance or Social Security Disability benefits, long-term commercial disability benefits are unique in that you can obtain them even if you are not injured in an on-the-job accident.
Although most insurance plans are provided through employers, the conditions of the incident that lead to disability are largely irrelevant. As long as you and your Glendale long-term disability lawyer can prove you were covered by a policy at the time of the accident, you should be eligible for benefits.
How Are My Long-Term Disability Benefits Determined?
The benefits your Glendale disability claim lawyer is able to recover for you will be dependent on the unique factors in your case. However, a few types of compensation are typically awarded to Glendale accident victims.
Most victims are able to recover anywhere from 50 to 80 percent of their monthly earnings. The amount you receive will be contingent upon your Glendale disability benefits lawyer being able to prove the extent of your injuries.
What Might Affect My Ability to Collect Compensation?
Although you should be eligible to collect compensation regardless of how you obtained your injuries, some contributing factors might affect the success of your claim, such as your injuries being part of a preexisting illness.
Conversely, additional factors play a role in how long you must wait to obtain benefits, as well as for how long you will be able to collect compensation until you are capped out by your policy.
For example, most long-term disability policies require accident victims to undertake an “elimination period.” This refers to a three- to six-month waiting period in which you will be unable to recover your disability insurance payments.
As for payment period max-outs, these are highly dependent on the type of policy you have. For example, many policies have a twenty-four-month payment maximum for any conditions pertaining to mental health. Additionally, some policies may cut off your payments once you hit age sixty-five, or they may stop payments after a certain number of years.
Your disability lawyer in Glendale will help you figure out how your policy affects your payments.
Talk to a Glendale Disability Attorney Today
Get in touch with our Glendale disability lawyer from Haffner Law if your disability insurance claim has been denied or you are having any other trouble receiving payment. Give us a call at 1-844-HAFFNER (423-3637) or fill out our online contact form below to discuss your case today.