Some people are born with certain disabilities, while others never imagine that they will sustain a disabling condition. This type of diagnosis and recognition of your limitations can be devastating, especially if your condition prevents you from working. Reports indicate that more than five percent of working individuals in the United States will experience short-term disabilities that cause them to miss six months or less of work each year. Further, about 25 percent of people can expect to miss work for one year or longer due to a disability before they reach retirement age.
It is important to stay aware of the common reasons for disability claims, which can vary widely. This can also help you recognize when you might qualify for disability benefits and need to start the claims process.
Short term disability benefits help with financial support if you cannot work for a period of time due to temporary conditions. The following are some of the most common reasons for short term disability claims:
Some conditions are not expected to improve anytime soon to the point where you can return to work. These benefits are meant to last indefinitely unless your condition improves. Some causes of long term disability claims include:
Having your abilities restricted can be devastating enough, but that is in addition to all of the other effects of disabling conditions. Such conditions can require ongoing medical care, home assistance, medical equipment, and more, and they can prevent you from working. Medical bills and unemployment are two of the leading causes of bankruptcy in the United States, demonstrating how a disability can lead to financial struggles very quickly.
It is important to get all the financial support you can when a disability keeps you out of work. Workers’ compensation benefits help some people, but only if the disability stemmed from job-related injuries or illness. You should always explore whether you can qualify for disability benefits through your employer-sponsored ERISA insurance coverage.
ERISA disability insurance claims are complicated, and many people receive initial denials. You want to seek help from an experienced disability claims attorney who can help you:
If you believe you need to file for disability benefits with your insurance company in Philadelphia or New Jersey, you want the help of a disability claims lawyer from The Garner Firm. Please contact us to learn more about how we can help.
Adam helped me with my LTD case. His knowledge and thoroughness was outstanding. He communicated every aspect of the process and case in an extremely detailed and timely manner. He also took the time to answer any questions I had as a person going through it for the first time. I could not recommend him more for anyone in a similar situation.
Adam and his team are great. They did an excellent job helping my family when we were really losing hope. Adam is very professional and has excellent knowledge to protect your rights. If you choose Adam you will talk directly with him. It was a truly pleasant experience. I’m extremely thankful that I chose the Garner firm. I highly recommend them.
Adam Garner provided excellent courteous and considerate service in helping me resolve a long term disability claim. He was accessible, knowledgeable and exercised the good judgement necessary for us to be successful. I heartily recommend his expertise and services
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Throughout my relationship with The Garner Firm, there was never a time that I felt uninformed where my case stood. Attorney Adam Garner focuses on making sure his clients are well informed throughout their legal battle. I can reassure any prospective clients that Adam will maximize all his resources and fight to the MAX in order you’re reasonably compensated.
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