What You Need to Know About Long Term Disability Benefits

If you are someone who has recently developed a medical condition or have sustained a serious injury, you may now find yourself unable to return to work for an extended period of time, or, in some cases, indefinitely. If you are now seeking long term disability benefits, please continue reading to learn more about them and how our experienced team of long term disability attorneys can help you get them.

What are long term disability benefits?

When disabilities prevent people from returning to work, they often face skyrocketing medical bills, as well as the repercussions of a missing paycheck. This not only affected the disabled party, but also that person’s family. Long term disability insurance exists to provide those individuals with income protection for months, years, or even decades if truly necessary.

There are several different types of injuries and medical conditions that qualify for long term disability. Some of the most frequent types of injuries and disabilities associated with those injuries that qualify for disability benefits are as follows:

Alzheimer’s disease
Back pain
Breast cancer
Carpal tunnel
Cancer
Chronic obstructive pulmonary disease
Chron’s disease
Clubfoot
Migraines
Multiple sclerosis
Muscular dystrophy
Osteoarthritis
Osteoporosis
Cardiovascular disease
Fibromyalgia
Chronic pain
Cognitive impairment
Degenerative disc disease
Dementia
Diabetes
Mental health
Hearing loss
Rheumatoid arthritis
Thyroid disorder
Stroke
Transient ischemic attacks
Vision loss
Accidents sustained in car accidents

How are long term disability benefits calculated?

When seeking disability, you and your attorney must first determine the estimated length of your elimination period, as well as the potential length of your benefit period. We can help you analyze each aspect of your case, including your financial situation, whether you have any other insurances, and more. The elimination period, also known as the waiting period, deals with the duration of time you will have to wait after becoming disabled to begin receiving these benefits. Generally, this period of time ranges between 30 to 90 days, however, we have seen cases extend into a year, and sometimes even longer, though this is not particularly common. On the other hand, the benefits period is the length of time that you will be paid your long term disability benefits. In some cases, you may receive benefits for a handful of years, or even until you retire. Here at Walker & Hern, our mission is to ensure you receive the maximum payout so you and your family can continue living comfortably for the months and years to come.

Contact our experienced firm

If you or someone you know is looking to receive long term disability benefits and needs the help of an experienced attorney, contact Walker & Hern today.

Our firm has significant experience helping people just like you retain or defend their Long Term Disability Benefits. Contact Walker & Hern for a free consultation.