If you have been injured at work, you may be eligible for long-term disability insurance. Unlike workers' compensation benefits, these benefits must be offered by your employer, and not all employers offer the same plan. For those who are self-employed, it may be a good idea to buy LTD coverage in case you are hurt during the course of a job.
In the event that you are eligible for long-term disability, it may be
worthwhile to hire an attorney. An attorney will make sure that you have seen a
doctor and have taken other steps to establish that you were hurt at work and
that you have a legitimate injury. You should also make sure that you file your
claim within two years of your injury, as that is the statute of limitations in
most Massachusetts LTD cases.
Your LTD benefits can help you pay a number of bills that you may have. For
instance, these benefits may ensure that you can pay your mortgage or your
rent, which enables you to keep a roof over your head. Your monthly payment may
also make it possible to buy groceries, pay your medical bills and make your
car payment on time.
The amount that you receive will depend on the terms of the plan and how many
dependents that you have. You are more likely to get a larger monthly payment
if you have kids or others who you have an obligation to support with your