Many people have long-term disability insurance through their employers. Most people assume that they will never need to use it, but accidents happen. A car accident, slip and fall, product malfunction, or assault can cause a person who was once perfectly healthy to break a bone, injure his or her spinal cord, become paralyzed, or suffer head trauma. These injuries can cause a person to suddenly become unable to work or even perform basic functions like dressing themselves or using the restroom. In many of these situations, an El Paso, Texas long-term disability attorney can help you seek financial assistance.
People of all ages can suffer a short-term or long-term disability. If you become disabled and are unable to work, what happens next? How will you pay your bills? What about your medical expenses?
A disability can be a scary situation, and you likely have many questions about your health, finances, and future. Here are some things you should know about disability plans.
If you have a plan through your employer or bought one on your own, you will receive benefits equal to a percentage of your salary, if it can be proven that you are in fact disabled. If you have lapsed on payments of your plan or if you have a pre-existing condition, however, your claim may not be approved.
Most disability plans tend to pay 50-60% of the injured person’s salary, while some pay more—as much as 80%. The payments will not happen right away, however. There is a waiting period involved. It can take three to six months for a long-term disability policy to kick in. However, during that time, you will be on a short-term disability plan that will cover your benefits.
If you have been approved for long-term disability benefits, you will likely need to file for Social Security benefits, as well. This is so Social Security pays first and the other insurer pays the remaining portion. Because of this, your insurance company will work hard to make sure you are approved for Social Security disability. If you were injured on the job, you may qualify for workers’ compensation benefits, as well.
Social Security has strict requirements for disability, under federal law. You have to work for a certain amount of time in order to qualify. You also must have a disability that is expected to last one year or longer or is terminal and expected to result in death. Social Security only offers benefits for long-term disability. Short-term disability claims will be denied.
If you have suffered a disabling injury, you may be unable to work for an extended period of time. Coordinating the benefits you need during this time can be a frustrating process.
An El Paso long-term disability lawyer from the Law Offices of J. Price McNamara can help you with the process. We can prove your disability and help you file for benefits from your disability plan and from Social Security. The process can be daunting, but do not give up. Schedule a free consultation today by calling our office or completing our online contact form.
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