Thursday, 17 December 2015
Workers’ Compensation Insurance is a state-mandated program designed to provide for employees who are injured or become ill on the job. Massachusetts’ workers’ compensation program is a no-fault system, which is usually beneficial to both the employer and the employee.
Long term disability (LTD) insurance is an insurance product that an individual can purchase to help cover certain medical expenses in the event they become disabled. LTD plans are often offered through an employer’s benefits package and can either be paid completely by the employer or employee, or shared by two parties. It’s not mandatory to purchase these plans.
Thursday, 10 December 2015
Long-term disability insurance often kicks in for a disabled employee when short-term disability ends and they are still no longer able to work. You will have to meet the requirements set. The opinion of your treating physician is critical as well as your medical records. Those who are eligible must continue treatment or they may no longer be able to receive benefits from the insurance company. There may be preexisting conditions that are excluded from receiving coverage. You may also be required to apply for Social Security benefits as well. The insurance company would like to see you approved for benefits, as they can offset your claim once you are receiving Social Security. If your claim is denied, you may need to find an attorney in Massachusetts.
If you're currently disabled or seriously injured and in need of assistance with intricate long-term disability claims or anything else along those lines, you should make a point to find a lawyer who has extensive knowledge in that subject. Fortunately, there are lawyers who specialize in disability claims you can hire.