The Promise of Long-term Disability Insurance

Everybody works hard for the money and saves it for the so-called rainy days. More than making both ends meet, people also save money that they can use in times of sickness and other problems. In the workplace, especially for high-risk jobs, employees can get hurt, injured, or disabled for a period of time.

Usually, benefits are extended to workers who can’t report for work because of their disability. However, there are times when the injuries that they have incurred are really serious that they experience long-term disability. This is a very difficult time for the injured worker given that he or she got it while at work.

The good thing is that insurance companies offer long-term disability insurance. As mandated by the Employee Retirement Income Security Act (ERISA), companies are asked to give their employees the choice of having a long-term disability insurance coverage. This is such a great help for workers in cases where they get disabled for a long period of time and are unable to work.

Life is what you make it.

The difference between short-term and long-term disability coverage is just as what the package’s name implies. Short-term disability coverage gives the insured a percentage of its pay rate for up to two years in cases when the individual suffers from temporary disability.

On the other hand, the long-term disability coverage kicks in following the expiration of the short-term disability coverage. For the long-term disability coverage, the insurance company gives a reduced rate of the insured’s pay rate for an extended period. This is perfect for people with high-risk jobs since they are assured of assistance to tide them over while they are incapacitated. By availing of the insurance and completing a service wait, an individual becomes eligible for the benefits of a long-term disability insurance coverage.

While claims for long-term disability are generally problem-free, there might be instances where you could have problems with your claims. You should never worry, though, for all that you have to do is hire the services of a Los Angeles long term disability lawyer to represent you. A lawyer specializing in long-term disability can help you make successful claims for your insurance policy coverage minus the stress.

Just prepare all necessary requirements for your claim and soon enough, you will start accepting long-term disability benefits to take your worries away.