In case you’re unfamiliar with what long-term disability insurance is, it’s financial coverage that pays benefits in the event that you become disabled and can no longer go to work. A good way to think about it is to think of it as though it’s insurance for your salary. Disability insurance covers total and partial disabilities but it also covers severe disabilities as well, meaning disabilities so severe that insurance companies don’t even think you’ll make a full recovery from it.
LTD isn’t something you necessarily need but it is something that’s better to have and not need than to need it and not have it. Because think about it… no one plans on not being able to work from injuries or illness. For most hard-working Americans, our jobs are the “bread and butter” that keeps the family together… it’s what keeps food on the table and clothes on our backs. So, to intentionally put your livelihood on the line for no reason just doesn’t make any sense but in the event an emergency does happen and you’re no longer able to work, it’s a huge peace of mind in knowing that your LTD insurance can cover up to 60% of your income.
As mentioned before, LTD is supposed to financially cover you in the event you become disabled, right? Yes, but in order to get that coverage, you first have to file a long-term disability insurance claim. It’s not until the claim is approved that you can benefit from your coverage. There’s only one problem that could occur in this situation… what if your claim is denied? Your situation has just gone from bad to worse.
Denied Claim: What to Do and How It Affects Your Family
In the event that your claim gets denied, you’re going to want to look into law firms that deal specifically with long-term disability insurance claims. Hiring an LTD attorney will speed up the process of getting the claim approved, which is what you’re going to need and want. Becoming disabled is something that not only affects the disabled person but it also affects the entire family. The two biggest challenges your family will face when overcoming your disability include:
Making the Home More Comfortable
According to the US Census, 56.7 million people are living with some type of disability and because of that, it’s very important to make sure that your home is accommodating to your disabilities. Whether you’re in an older home that needs major changes or a newer home that needs more accessibility changes, there are going to be certain modifications that will need to be made to make life at home easier for you, including:
- Grab Bars
- Sleeping Aids
- Sufficient lighting
Various Lifestyle Changes
Being disabled, depending on the type of disability you’re suffering from, you’re going to have to make certain lifestyle changes that will not only affect you but your family as well. You might have been the one who did everything around the house but now, you’re more reliant upon others to do things for you. Some lifestyle changes that you and your family might experience include:
- Not being able to exercise
- Limited mobility
- Not being able to work
- Less of a social life
The key thing to remember here is that even though you’re the one suffering from the disability, it affects your family. So the way YOU handle your disability will determine how your family reacts to it. Although losing your capability to work can be devastating, it’s also not something that you’re having to go through alone… your family is there to help you get through it. If you have a positive outlook on it, your family more than likely will too. If you have a negative outlook on it, your family will feel just as defeated as you.
Get Out of Your Rut
We’ve all heard that bad things always seem to happen to good people and in lots of situations, that’s been the case but just because these bad things happen, that doesn’t mean that it has to defeat you. Whether you became disabled from an injury or a diagnosis, you can’t change the fact that the result left you disabled or temporarily disabled, but what you can do is consult with an experienced law firm that will fight to get you the justice you deserve from your suffering… remember, you don’t have to go through this tough time by yourself.
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