If a young, healthy person is asked about the likelihood of becoming disabled prior to retirement, they will say that it is very unlikely to happen. In fact, fewer than 2% will even admit that it could happen. However, they are very, very wrong. About 1 in every 4 workers will become disabled for at least 3 months during their working career. In fact, the average disability lasts for almost 3 years. Imagine having no income (but plenty of medical bills) for 3 years. Medical bills are involved in a high percentage of bankruptcies and foreclosures.
Since almost no workers believe that they will ever become disabled, it’s hardly surprising that most don’t have private long term disability insurance. Only about 3 workers out of 10 have this coverage. Since taking this precaution puts them into the minority, one would think that they will be secure in the event that they ever need this insurance.
Most people with long term disability insurance don’t really understand the terms and conditions of their policy, reports a Disability Lawyer in Brockton MA. Many workers consider ‘disabled’ to mean that they are unable to work at their former job. Some policies do define ‘disabled’ in that way, but not all. Some workers are shocked to have their disability claim denied because the company has determined that they would still able to work at a different job, even though the worker has no skills or training to perform this ‘other’ work.
Other workers file a claim and are receiving their disability benefits, only to suddenly be told that the checks will no longer be coming. These benefits are not a gift from the insurance company – premiums were due and paid every month. Yet the insurance company may require examinations by their doctors or will have someone ‘spy’ on the injured worker, in the hope that some reason can be manufactured to cancel the coverage.
The Law Offices of Graham N. Wright Brockton, MA represents disabled people who need a Disability Lawyer to help them receive the benefits that they are entitled to. Dealing with an insurance company can be very difficult, but an experienced Disability Lawyer in Brockton MA understands the process and works for the best interests of his client. Anyone who has been been denied the benefits that they are due should contact this law office to discuss their case. Click here for more details.
