What You Should Know: Sources for Long Term Disability Benefits

You never think it is going to happen to you, but when long-term disability strikes it can be devastating. It would be irresponsible to yourself and your family not to be prepared for this possibility, because it can happen at any time. It could be due to a work-related injury, as a result of an accident, or because of a disease or medical condition. At the very least you should know what the possible sources for claiming long-term disability benefits are and what you can expect.

Employer-provided

Most larger companies have some type of long term disability insurance as part of their employee benefits, although it is not required by law. When it is offered, it is usually regulated by the rules laid down by the Employee Retirement Income Security Act or ERISA.

Workers’ compensation

When the cause of a disability is work-related, then you may be able to claim disability benefits from your workers’ compensation insurance, which many employers are required by law to provide. It applies for both short- and long-term disability as well as partial and total disability.

Social Security

You may also make a claim for Social Security Disability Insurance (SSDI) as well as  Supplemental Security Income (SSI) in some cases. However, only those who require in-home or residential health care are eligible for SSI. SSDI and SSI payouts will depend on the living situation of the claimant, their disability, and their work history. However, it is important to note that it can take a long time for a claim to be approved at both the federal and state levels.

These sources of financial assistance for long-term disability are not mutually exclusive, so you may be able to receive benefits from one or more of them. Because making a claim for long-term disability can be complicated and tedious, it is usually a good idea to get some assistance when filing a claim or disputing a denial.

Marked for Life

Most people accumulate minor scars in the course of their childhood and while they may occasionally be unsightly, they are usually unnoticeable. However, there are times when an injury is severe enough to leave scars that are disfiguring. In a society that values regular features and smooth skin, scars can have a deep psychological impact on an affected individual, lowering self-esteem and promoting humiliation.

Aside from the aesthetic aspect, scars can also lead to limited mobility and function. Burn accidents can twist limbs, fuse fingers, and damage tendons necessary for both macro and micro movements. Compound fractures can also impede a person’s ability to walk normally or have a full range of motion even when fully healed due to scar formation on bones, tendons and joints. These types of severe injury and scarring may require multiple surgeries and extensive physical therapy to correct, and even then function is seldom fully restored.

Such accidents do happen, and it is unfortunate. But when it occurs because of someone’s negligence, then it becomes doubly horrific, because in all probability it was preventable. Some of the most common causes of scarring include:

  • Work accidents
  • Surgical error
  • Automobile accidents
  • Defective products
  • Electrical or chemical fires

Even when victims of these types of third-party negligence survive their ordeal, they are marked for life. Such reckless conduct must be punished by making the responsible party pay for the harm they had done. A personal injury lawyer can address these issues by bringing your claim to civil court to sue for both economic compensation (present and future loss of income, medical expenses, etc.) and non-economic damages (pain, suffering, psychological and emotional distress) appropriate to your case. While nothing can erase the pain and suffering that individuals have endured from a scarring or broken bone injury, pursuing a lawsuit can help provide the financial compensation necessary to pursue recovery.