Disability and Moving Forward with Life?

Answer 1

The ability to earn a living is essential to an adult. However, statistics show that a significant number of people will become disabled during their working career. Injury and illness are the two main reasons for disability. A person facing this situation will likely be overwhelmed by a number of emotions and feelings, but proper preparation on the front end can help reduce the stress of the situation.

Choosing an employer that offers disability insurance is important. Almost no one would want to be disabled, but life is often unpredictable. Therefore, it is best to plan for the worst. Many employers offer short-term disability insurance and long-term disability insurance. The short-term covers a percentage of loss wages for a disability that is expected to last a short period of time. Disabilities that are expected to last longer than 60 days may fall under the long-term disability coverage. The payment amount for each of these plans is based on the actual salary of the disabled person.

Furthermore, many companies are outsourcing their disability function to other companies. These firms are tasked with keeping up with all medical information that supports a disability claim. It is imperative for the injured or sick person to keep all doctor's appointments. In fact, it is critical to have a doctor that supports the patient being compensated while disabled. Employees that are expected to be disabled for a year or more will need to file for Social Security Disability. Most companies have a policy that allows them to end employment with an employee that is out for a year. Consulting a disability attorney is often a good decision. Navigating the complex maze of the Social Security system is not easy, and many people give up before becoming successful.

In conclusion, it is not a pleasant thing to lose your ability to work and earn a living; however, there is life after disability. It is critical to get the information and assistance needed to move forward and live as best as possible. Disability does not have to mean the end of happiness. It simply requires proper planning and diligence. The disabled person must get the right people onboard. Proper representation will lead to a better outcome. An experienced legal professional can provide the support and expertise that can win the case. Medical insurance and financial compensation can be won through the SSA disability process. It is not easy, but it can be done.