When you get injured on the job, it can impede your ability to work. If you aren’t able to work after an injury, you won’t be able to earn a living. Luckily, there’s long-term disability insurance in place to cover this exact issue. However, how do you know if you even qualify for long-term disability? A Chicago long-term disability attorney can guide you through the process.
Long-Term Disability
Long-term disability covers roughly 60% of your income while you recover from an injury. Some of the common injuries covered by long-term insurance include back pain, arthritis, fibromyalgia, and osteoporosis.
The coverage will continue paying part of your salary for a predetermined amount of time, depending on your policy.
Who has long-term disability insurance?
The majority of full-time employees who pay taxes qualify for long-term disability. However, you have the option to opt out of long-term disability insurance. As long as you didn’t opt out, you should be able to file a claim if you have a qualifying disability.
You will also need the proper medical documentation to prove your diagnosis and the extent of your disability.
Filing a Long-Distance Insurance Claim
You will not receive long-term benefits automatically. You are required to file the appropriate claim, which can be a confusing process. It will take even longer to receive your benefits if the claim isn’t filed properly.
When you need a Chicago long-term disability attorney, contact Jeffrey A. Rabin & Associates, Ltd. today.
