logo logo

Long Term Disability Appeals

An illness or injury that leads to long term disability can substantially affect the financial capability of any struggling family, most especially if the injured or ill worker’s application for benefits has been denied or awarded a minimal amount by insurance providers. And, though, in most states, providing workers’ compensation benefits to workers is mandatory to certain employers, this is never an indication that these same employers will approve their injured employee’s intent to file a claim. Besides the discovery of fraudulent claims in the past, wherein employees were found to fake disability or illness for financial gains, many employers have become biased in treating claims since they consider most injuries as not serious or valid. This is especially true concerning injuries that are caused by inexplicable pain, such as back pain, which may be very hard to verify through x-rays, nerve conduction studies or other medical examinations. An employer’s refusal to support an employee’s claim, however, should never deter such employee in pursuing or appealing his/her claim. When filing a claim with the workers’ comp, the first step required is informing one’s employer about the injury or illness; this should be done within 30 – 45 days after the accident (which caused the injury) occurred or after the...

Sources of Financial Benefits in the Event of Disabling Injuries

An injury is considered disabling if it results in death or leads to permanent disability or temporary total disability (the last two being conditions wherein the person is no longer able to perform the work or activities he/she was capable of doing before the injury was sustained). Depending on how the disabling injury was sustained, there are specific legal ways that will enable the injured person to seek financial benefits or compensation that will save him/her from experiencing a crippling economic situation on top of the disability. If the injury were sustained in an accident that was a result of another person’s negligence or carelessness, then the injured victim would have the legal right of filing a claims lawsuit to enable him/her to seek compensation for the personal injury he/she has sustained. The compensation is supposed to cover lost wages and cost of medical treatment. Disabling injuries sustained by individuals while performing their work would qualify them to seek financial benefits from the state-enforced Workers’ Compensation Insurance benefit. This benefit that was passed into law in 1908 was meant to provide fast financial benefits to injured workers (who sustain work-related injuries or illnesses). This compensation benefit is meant to cover cost of medical treatment, lost wages, disability, rehabilitation and...
bottom