No one plans on becoming disabled, but unfortunately accidents can happen. It's important to have long term disability insurance to cover your living expenses if you're hurt on the job and find yourself unable to work for extended periods of time. Here are four steps you should take if your short-term disability runs out and you're still unable to work:
1. Hire a disability law attorney.
No matter what steps you decide to take next, the first thing you should do is hire a lawyer who is experienced in disability law. They know the applicable laws very well, and they can help you to navigate paperwork and dealing with your employer and insurance company. You don't want to mess around with your living expenses, so it's best to have a professional in your corner. According to Disability Secrets, many long term disability lawyers work for a portion of the money you receive when you win your case, so you don't have to worry about affording a lawyer out of pocket.
2. File for an extension.
Short term disability coverage through your employer's insurance typically only lasts for one year. If you're not able to work after that time period runs out, you can ask your employer or insurance company to extend your benefits. If you don't feel confident in your ability to do this alone, your attorney can assist you with the process.
3. Apply for social security disability benefits.
If you're going to be out of work indefinitely due to your injury, you should apply for SSDI. In order to qualify, you'll need to prove that you're unable to do basic physical work. You'll also need to show that you make less than $1,180 per year. A long term disability lawyer can help to familiarize you with all the requirements, and they can help you fill out the application online.
4. Appeal the decision if you're denied.
Unfortunately, you may be denied long term disability benefits based on your application. If your claim for long term disability benefits is denied, don't worry; you can still appeal the decision in court. Your attorney will help you build and present a case, which may include your medical records and testimony from doctors. They will help you prove that you're unable to work, so that you can receive the financial help that you need.
If you're unable to work for longer than a year, you don't have to be afraid for your financial future. An experienced lawyer, such as Scott E. Shaffman Attorney At Law, who works in disability law can help you figure out your next steps.
