The typical victim of an injury knows how to get in touch with a doctor. Victims with a severe injury can ask to have an ambulance. Most victims hope that their wounds will heal and that they will recover. Still, some of them might not enjoy a full recovery. If they get to the point where they must seek Long Term Disability Insurance, then any one of those accident victims may have a couple questions.
What is Long Term Disability (LTD) Insurance?
It provides you with financial coverage when you cannot return to work. It does not cover any medical expenses. It usually remains in force for 2 years; after that it has to be renewed.
How does the long term coverage differ from short term disability insurance?
The short term coverage acts as a wage replacement when you are temporarily unable to go to work and carry out your job responsibilities. The short term coverage acknowledges the possibility of recovery from a given injury.
How long does it take to get an LTD claim?
If you do not plan to seek compensation for pain and suffering, it takes 1 to 2 years to get the money requested in an LTD claim. On the other hand, if you plan to seek compensation for pain and suffering, it could take 3 to 4 years.
Are the surveillance tactics used by insurance companies legal?
Yes, they are legal. Admittedly, you will not welcome that surveillance. No one likes to be spied on. Still the insurance companies have two reasons for hiring an investigator, someone to watch you.
First of all, the insurer hopes that he can get pictures of you doing something that you have said that you can no longer do. Maybe you have claimed that your shoulder injury keeps you from carrying a heavy load. If the person spying on you sees that you are carrying groceries, you will be asked to account for that discrepancy.
Second, your insurer must have a way to estimate how much money you have a right to claim. If the person following you sees that you really do have challenges, as a result of your injury, then your insurer will know that you deserve a sizeable compensation. The company will have to arrange for access to that same compensation; otherwise, you might have to wait a long time from the funds that you have been granted.
What should you do if your claim is denied?
If your claim gets denied, your Personal Injury Lawyer in Milton can always submit another claim. If you dread the thought of repeating the process, you can save yourself from taking on all that trouble. Just exercise these precautions: Be sure to visit the doctor that is treating your injuries and follow your doctor’s orders. Meanwhile, try to get the long term disability claim from your employer just as soon as possible.