What You Need To Know About Long-Term Disability After A Work Accident

work accident long term disability

Becoming the victim of a permanent disability is not something that anyone would want to happen to them. Apart from impacting their quality of life in terms of the activities that they can engage in, they may also be unable to keep earning a living by doing the work that they know how to do. In such cases, the best thing is to leverage the law, and this starts with finding out the legal details of long-term disability after a work accident. Here are a few helpful facts that you ought to keep in mind in case you or someone you know ever ends up needing them.

Is It Possible To File A Claim Yourself?

To begin, you should know that while you can actually file a claim to receive the benefits owed to you by yourself, it is best to hire a lawyer. That is because the business that you suffered an injury while working in already has a lawyer or a team of lawyers who can argue their case in times like these. This makes hiring a lawyer to advise and represent you the best way to even the field. A lawyer is going to help you get a fair outcome with more ease because they already know the details surrounding cases like yours.

It may take a lot of time and effort for you to learn the details of the law to the extent that you are competent enough to represent yourself. This is considering the fact that you will also be trying to get physically better from your injury. For instance, you may come across a fact that 40% of employers in the United States offer their employees long-term disability policies, according to the Bureau of Labor Statistics. You may not be able to make any use of such information despite spending time to seek it out.

What Is The Process Of Filing A Claim?

It is also important to know what the specific process of filing for long-term disability involves. This may have a few differences from one employer to another as it is something that they are free to draft as they see fit. As such, the rules that apply to you under one employer may not be valid under another one. This makes it important for you to find out the specific details for filing a claim under your specific employer.

This information may be freely available if you ask for it or read the fine print of your contract. Once you know these details, including things like how long after the injury you can file, you will be better off. This is an even more important detail to learn about if you work in a high-risk industry. One of these is motor vehicles and parts manufacturing, in which 923,000 Americans work, according to Zippia.

What Are Some Of The Benefits That Can Be Claimed?

Finally, you need to know what specific details you may be eligible for when you file a long-term disability claim. This is another detail that may be easy for your lawyer to find out and share with you. With this information, you may be better able to plan for the future as you have an idea of what to expect as opposed to flying blind and simply hoping for the best.

The details of this may be impacted by things like the value of the industry you work in, among other factors. To better estimate a figure you can expect, you may be interested to learn some important industry details. These include facts such as that the total value of the United States car and automobile manufacturing market in 2020 was $100.9 billion, according to Zippia. These automotive data trends for disabilities are projected to continue into late 2023 and 2024 as well.

These are a few of the most important things that you need to know about long-term disability after a work accident. With these basics, it should be easier for you to start the process and see it through to a reasonable end. Remember that it may take a long time for the process to end, so patience is key.