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Long-Term Disability Lawyers for West County Energy Center

Long-Term Disability Lawyers for West County Energy Center

Becoming disabled for a period of weeks, months, or years can have a devastating impact on a worker’s financial stability. While you have doctor’s bills, physical therapy, and all of your normal living expenses such as a mortgage, car payments, and groceries, suddenly there is no income coming in to meet these demands. Some turn to Social Security, which provides a bare minimum of financial support that is akin to living off of minimum wage or less. Social Security disability benefits can take an extremely long time to come in, and being accepted into the program requires meeting specific medical qualifications. There is a better option, but it can be just as hard to pursue. Learn more from our Long-Term Disability Lawyers for the West County Energy Center employees.

Disability Statistics for Working Americans

People nowadays are working longer into their later years than past generations. As such, even though modern medicine and workplace safety standards have improved, your chances of becoming disabled are still relatively high. According to Affordable Insurance Protection, a 35-year-old worker has a 50% chance of developing a disability that lasts for 90 days or longer (short term disability) by the time they reach the age of 65. One in seven Americans between the ages of 35 and 65 will develop a disability that lasts five years or longer (long term disability).  

The Difficulties of Having Your Claim Approved

Current laws work in favor of insurance companies and large employers while making it harder for employees to gain the long-term disability benefits they need and deserve. Often, claims are denied simply for incorrect paperwork or lack of medical evidence. An attorney will help with the claim process as well as appeals.

Should I Just Pursue Social Security Instead?

Employer-sponsored long-term disability generally covers between 40 and 60% of your average paycheck, which may not be enough for you to make it on with your current standard of living. Many people who qualify for long-term disability are also able to find other part-time work to compensate for this. For those on Social Security disability, they are not allowed to earn more than $1,220 per month, otherwise, they will be kicked off of their benefits, according to the Social Security Administration. Most private disability policies do not require the recipient of benefits to be so disabled that they can not earn a second wage while on benefits, which is an important reason to pursue long-term disability through your employer.

Call a Long-Term Disability Lawyer for West County Energy Center Today

Are you about to file for long term disability? Has your claim been denied already? In either case, the Long-Term Disability Lawyers for West County Energy Center of J. Price McNamara are here to serve all employees of West County Energy Center. Reach out to us today to learn more about how we can help.

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