If you were injured in a car accident, fall or other incident and disabled, you might be wondering what long-term disability (LTD) benefits are available to help cover your medical bills. In this article, we’ll discuss whether your disability qualifies for LTD benefits and how to file a claim if your injury was caused by something other than an auto accident.
Disability is a condition or impairment that results in substantial limitations of the ability to perform major life activities. A disability can be physical, mental or cognitive. The term “disability” includes both the limitation of an individual’s ability to perform duties related to his/her occupation and other daily activities as well as restrictions due to pain or fatigue that may result from an injury or illness.
What Is Disability Claim?
A disability claim is when you are seeking compensation from your employer for lost wages due to being unable work due to one of these conditions listed below:
● Cancer (and related illnesses like leukemia)
● Heart disease/stroke
● Musculoskeletal disorders such as back problems and knee injuries; etc
Illnesses or Injuries That Qualify For LTD Benefits
The definition of disability is the inability to do your job. It can be caused by an illness or injury, but it doesn’t have to be. In order for you to qualify for long-term disability benefits, your injury alwyer in Markham must show that your illness or injury prevents you from performing your regular duties as an employee.
Was Your Long-Term Disability Claim Denied?
If your long-term disability claim was denied, you have options. You can appeal the decision and hire an attorney to help you prepare your case. You can also contact your state’s insurance department or file a complaint with the federal government, which will likely result in an investigation into whether or not your insurer violated any laws when dealing with claims related to injury and illness prevention.
Ask for expert advice
If you’re unsure of what to do, ask for expert advice. Your doctor, lawyer, financial advisor and accountant should all be able to provide some guidance on the best way for you to proceed with a disability claim.
If your long-term disability case involves an injury that is not covered by any insurance company or plan (or if it’s being denied), then it might be worth exploring other options as well. Talk to an attorney who specializes in representing injured clients in their claims against employers and insurers. If your disability was caused by a car accident, fall or other incident, you need to protect your legal rights.
If you have been injured in a car accident and are filing for LTD benefits, the process is not easy. There are many different factors that need to be considered, such as the type of injury or illness that you have suffered from. It is important that you contact an attorney who can help navigate this process for you so that your rights are protected when it comes time to file your claim.