Many of us depend upon our jobs to provide us with the means to make a living. We create budgets and financial plans based upon the amount of money that we make each month. When we suffer an injury or illness that makes working impossible, we need to know what we can do to get the compensation we need in order to make ends meet.
If you suffer an injury or illness that is not workplace related, you will have to depend on your long-term disability insurance coverage in order to get benefits. You may purchase such insurance independently, or, you may have a plan that is provided by your employer. Depending upon the type of plan you have, different rules may apply to how the plan is carried out and how it may impact your situation.
If you believe that you have a condition that qualifies you for benefits, you will need to request those benefits from the insurance company who is running the plan. They will analyze your condition to determine if you fit the criteria that it has established for many different conditions.
This is a very difficult process, and you will often need to provide extensive documentation from your physician in order to show that you are suffering from something that makes working impossible. Insurance companies will frequently fight long-term disability benefit claims, which means that it will take even longer before your requests are granted.
The specific conditions that may qualify you for benefits will differ from policy to policy. Generally, you will need to show that your injury or illness is so severe that you cannot do your job under the circumstances because of the medical treatment that you will need.
Because of the aggressive actions of insurers, you should seek the advice of an experienced attorney to help you understand your options at this time. An attorney can help you prepare a request for benefits, and also advocate for you throughout the process. Should your claims be denied, your lawyer can fight back against the insurers in court, and help you take active steps toward receiving the benefits you deserve.