It is all too easy for people to live their day to day lives without considering the need for long term disability insurance. But a sudden accident or a difficult diagnosis can leave a person without the ability to earn a living. This is a potential problem for most people, because the average person in Massachusetts does not have enough savings to continue living the same quality of life as before a disabling event. If you need to take time off work due to an illness or injury, long term disability insurance can provide much needed income during a very difficult time. Additionally, long term disability may come into play once your short term disability benefits have ended.
Who Might Need Long Term Disability?
This is a good question. Statistically, one in three individuals becomes disabled for a period of more than 90 days at some time over the course of his life between age 35 and age 65. There is also a Census Bureau report suggesting that approximately 20% of Americans currently meet the criteria typically considered for long term disability. Those criteria include:
- vision impairment
- mobility impairment
- hearing impairment
It Begins with an Evaluation
Applying for long term disability begins with an evaluation of your claim. Before you apply for benefits, you might want to consult with a Massachusetts long term disability lawyer, preferably one who practices in your local area. When you have an experienced attorney assisting you, you will benefit from his knowledge of the kinds of claims that are successful, and will be able to maximize your chances of being approved. If your claim is denied, your lawyer challenge the denial by submitting an appeal on your behalf.
Evaluated by Administrators
Long term disability plans are typically insured and administered by an insurance company. Your application will likely be evaluated by one of their claims administrators. There are a multitude of reasons that insurers give for denying claims. Most often, they find that there is insufficient medical evidence to prove that the claimant meets the standard of disability in the policy. An attorney should assist you in presenting strong evidence of disability in your initial claim and addressing any questions about your disability raised by the insurer in a denial.
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