When a person gets injured to
an extent that their ability to work is compromised, it becomes a worrisome
situation because it will surely affect their ability to earn income. This is
why there is long term disability insurance in case the person cannot work for an
extended period of time due to an injury or illness.
Long term disability insurance
ensures that an employee with a disability will still receive a percentage of
their income even if they are unable to work. This insurance policy is either
provided for by the employer or can be purchased as an individual policy, and
is most helpful to families who may be burdened greatly by the disabled
employee’s condition.
Proving
disability
Every insurance policy would
have its own definition of a disability, and the employee must meet this
definition in order to file a claim. The most important thing here is to prove
the disability with medical evidence. The treating doctor’s opinion is also
critical and so they are asked to write a statement regarding the employee’s
condition. Usually, treatment must still be received from the doctor while the
claim is pending, and even after it is approved, since some insurance companies
may cut off the benefits if no further treatment is being received.
It is a hard thing, having a
disability, and it is even harder to have that disability keep someone from
working. Having a long term disability insurance policy ensures that they need
only worry about getting better.
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