Like many other people in the United States, you had not expected to sustain a traumatic brain injury while performing the function of your job. Unfortunately, you have. Now, you are in need of long term disability benefits to cover your bills until, or unless, you are able to return to work. For more information on applying for long term disability benefits after incurring a traumatic brain injury at work, please continue reading, then contact one of our experienced nation-wide LTD benefit lawyers today.
How might you sustain a traumatic brain injury at work?
All across the United States, employers are mandated to ensure that their employees are reasonably safe while they carry out their jobs. In light of that fact, employers must provide their employees with adequate safety equipment and training to avoid sustaining an injury. Should your employer fail to do that, certain dangerous conditions may arise, increasing the possibility of traumatic brain injury. These hazardous conditions may result in the following types of accidents:
- Slip and falls
- Crashes or collisions
- Being struck by falling objects
- Physical assault
How do you receive long term disability benefits after a traumatic brain injury?
Before you do anything else, you must call an ambulance. Simultaneously, you must notify your employer of the accident, so that he or she may begin the process for receiving long term disability. Long term disability insurance coverage provides wage replacement that is between fifty percent and seventy percent of your earnings before a work-related injury impacted your ability to work, but always remember to check your policy first. Simultaneously, your employer may commence the workers’ compensation process. These funds may then be used for the following:
- Medical treatment
- A regular source of income while disabled
- Vocational rehabilitation, if necessary
- Permanent physical impairment
Please keep in mind that in order to receive long term disability benefits, you must not only be unable to perform the functions of your current job but any other occupation.
If you have incurred a traumatic brain injury in the course of your job, you should strongly consider retaining the services of one of our skilled long term disability insurance attorneys today.
How do you prove you require long term disability benefits for a traumatic brain injury?
Insurance companies will rarely, if ever, take your word for it. Instead, you and/or your legal representative will need to collect the following forms of evidence:
- Your medical reports
- Police and responding medical personnel reports
- Witness statements and contact information
- Photos and/or videos of the unsafe working conditions
Not only will Walker & Hern help you compile this evidence, but they can also present it to the appropriate entities and, should it prove necessary, appeal a denial.
Contact our experienced nationwide firm
If you or someone you know is looking to receive long term disability benefits, contact Walker & Hern for a free consultation.