Can You Receive Long Term Disability Benefits After a Car Accident?

If you have sustained chronic injuries from a car accident, please read on, then contact one of our experienced long term disability insurance attorneys to learn if you can receive long term disability benefits after a car accident?

How do you qualify for long term disability benefits after a car accident?

You may be eligible for long term disability benefits if you can’t work because you still suffer from physical or mental injuries from a car accident. Car accident injuries can include the following:

• Hip and arm fractures
• Back problems
• Soft tissue injuries
• Brain injury

You may also experience psychological trauma as a result of a car crash, such as depression and anxiety. If these disorders have persisted for at least a year, or are expected to last for that long, and have prevented you from working, then you should consider applying for long term disability benefits.

What is residual functional capacity?

Even if you do not meet one of the disabilities listed above, your insurance company will determine your residual functional capacity to determine if you have any capacity to work even a simple job. The insurance provider will review your hospitalization records and consider whether your medical treatment was successful or whether it led to complications. This review will include any medications you take for symptoms stemming from a car crash. After assessing your ability to stand, walk, handle or carry objects and interact with other people, your insurance provider will give you a residual functional capacity of sedentary, light, medium or heavy work. Generally, you need to be medically restricted to less than sedentary work to be considered disabled, unless you are over 55 and can’t transfer to a new type of work because you have no transferrable job skills.

If the insurance provider finds there are jobs you can still perform, then you will likely be denied long term disability benefits.

How can a long term disability attorney help you after a car accident?

Your policy may also have certain restrictions or conditions. A long term disability attorney can read through your policy, deconstruct it and analyze its terms. They can review the facts of your case and compare them to your policy to determine if you have a condition that warrants a long term disability claim. Our firm will properly evaluate your case and give you an honest assessment of its strengths and weaknesses. A seasoned legal professional can make all the difference between success and failure. Do not suffer in silence. Give us a call today.

Contact our experienced nationwide firm

If you or someone you know is looking to receive long term disability benefits and needs the help of an experienced attorney, speak with our nationwide LTD attorneys today. Our firm has significant experience helping people just like you obtain or defend their long term disability benefits. Contact Walker & Hern for a free consultation.