What will you do if you are injured and unable to return to work? You depend on your job for your parnassa, but if you physically cannot do your job, what is the next step? If you have a long-term disability plan, you may be able to collect benefits, but you need to think carefully about your next move. Look at a few important points below, and remember to contact an expert who can help you.
See a Doctor First
Your medical recovery is the most important thing, and if you delay medical care, you could develop serious complications and harm your quality of life. In addition, you do not want the insurance company or government to accuse you of intentionally avoiding medical care. When you see the doctor, ask for a copy of your medical records and test results, as you may need them to support your claim.
If you are hurt on the job, you should also report your injury to your employer. You do not want someone else to get hurt, and you may need to report your accident to qualify for workers’ compensation benefits.
Review Your Insurance Plan
Next, you need to take a look at your insurance plan. You might assume you will qualify for long-term disability, but you must understand what is covered and what is not. Not every long-term disability insurance plan will cover everything. You need to figure out if your injury or illness qualifies as a long-term disability, according to your insurance company. If you have questions about your insurance plan’s wording, please contact the company directly.
Reach Out to a Long-Term Disability Lawyer
Before you file a claim, you need to ensure that all of your paperwork is in order and that your claim is in a position to be honored. The best way to ensure that happens is to contact a long-term disability lawyer who can review the evidence, ensure you have the proper paperwork, and campaign on your behalf. You need to do a tremendous amount of paperwork and ensure that you complete all deadlines and make all the correct mistakes. Your attorney can make sure that you have filled out everything correctly. Then, if your claim is denied, you can work with your attorney to appeal that decision.
You Do Not Have To Do It Alone
Your health always has to come first, so you must make sure that you seek medical care as quickly as possible. Then, remember to closely examine your policy to understand what is covered and what is not. Finally, to put yourself in the best position to have your claim honored, you must contact a long-term disability attorney who can help you. It can be stressful to suffer a long-term disability, but if you have the right people in your corner, you can get the help you need.