Things to Know About Long-Term Disability in Massachusetts

You May Think You Don't Need Long-Term Disability Insurance

You may thing you don't need both short and long-term disability insurance. You might think a serious illness or injury that keeps your from working won't happen to you. There's no way to know that this is the case. You should be prepared.

Some Facts to Know

Social Security estimates that one in four people the age of 20 will become disabled before they reach retirement age. In 2012, disabled individuals received about nine billion dollars in long-term disability benefits through employer disability coverage.

If you think workers compensation will cover you, not all injuries happen at work. Ninety percent of claims are for illnesses, not injuries.

More than half of Unum's long-term disability recipients from 2009 to 2012 were women. Slightly less than half were younger than fifty years old, a third being under age forty.

In Conclusion
You may think you will never become disabled. There is simply no way to know that for sure. Many people end up not being able to work from illness or injury. What will you do if you become unable to work? Hopefully, you will have long term disability coverage and can file a claim. You may need the help of a long term disability attorney if your claim gets denied. It's never too early to get help with your claim in Massachusetts. If you need to find an attorney, be sure to do your research and find one that will meet your needs.