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What is Disability Insurance?

If you are unable to work because of an injury or illness, you may be wondering about disability insurance and if you qualify to use it.

Determining if you qualify for disability insurance is not a one-size-fits-all answer. In fact, several factors are used to determine if you qualify and who is responsible (whether insurance or a person) for paying for that disability.

What is Disability Insurance?

Disability insurance may pay for all of your salary if you become disabled and cannot work. This insurance may be provided through your employer or purchased privately. Most employers carry some form of disability insurance, but these only provide benefits for a specified period of time.

What Disability Insurance Covers

What disability insurance covers depends on the policy and what is required. If you purchase a private policy, your coverage could vary greatly depending on the insurance carrier and type of policy you signed up for.

Some things you may have covered with your disability insurance include:

  • Medical Expenses
  • Lost Wages
  • Rehabilitative Care
  • Vocational Therapy
  • Physical and Mental Therapy

The type of injury can also determine what is covered. For example, if you are injured at work, your employer’s workers’ compensation coverage would handle your costs, but only for so long and depending on the severity of the injury.

Why You Need an Attorney First for Your Injuries

You need an attorney for your disability insurance claims because an attorney will assess what type of claim you need. Not all injuries should apply for disability insurance. If you were injured because of someone’s negligence, it may be in your best interests to file a claim against that person, rather than deal with disability.

But, if you qualify for disability insurance, a skilled personal injury attorney can help you with your claim as well as make sure you receive compensation for those responsible for your disability.

Contact the Attorneys at the Law Offices of Robert W. Elton Today

If you need assistance with your insurance disputes and litigation, contact the team at the Law Offices of Robert W. Elton. We can assist you with filing a claim, combating insurance companies and even filing your lawsuit to receive the compensation you deserve. Call 386-274-2229 for a free consultation.

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Related Posts:

  1. How to Increase Your Chances of a Getting an Insurance Claim Approved
  2. What Uninsured Motorist Coverage Means to You
  3. How to Handle Your Insurance Company after an Accident
  4. Should I Have Additional Auto Accident Insurance?

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