If you are someone who has recently suffered a herniated disk, you are most likely now in severe, daily pain, which may limit your ability to continue working. If you find yourself in this unfortunate situation, you should be relieved to know there are options available, namely long term disability insurance. Please read on and reach out to our experienced attorneys to learn more about LTD benefits and how our firm can help you receive them.
How can long term disability insurance help me if I can lo longer return to work?
Very often, individuals who are unable to return to work seek disability insurance payments to help their families cope with the sudden loss of a paycheck. If you once provided for your family and can no longer do so, there are few things worse than having to worry about the next step. Fortunately, long term disability insurance is designed to help those suffering from medical conditions or injuries that are in the same exact boat as you. If you receive disability benefits, you will either get one lump-sum payment or monthly insurance payments, depending on your specific situation.
Can a herniated disk qualify for disability?
For a herniated disk to qualify for disability, you will have to prove that the herniated disc compromises a nerve root, causing severe, distributed pain, resulting in a loss of motor function, reflexes, or impairs your sensory abilities. However, this is not always easy to prove, so your attorney will have to prove your disability claim by providing the insurance company with various types of evidence including your medical history, MRIs and CT scans, a list of previous/current medications you’ve received, and notes from your physicians/surgeons clearly explaining how your medical condition affects your daily life, preventing you from returning to work.
How long will it take for me to begin receiving my disability payments?
Though in most cases individuals will receive their first payment within 90 days of approval, the unfortunate reality is that sometimes, people will have to wait months, or even more than a year to receive their rightful insurance payments. Rather obviously, this can be extremely stressful for a family, which is why we are here to speed up the process and help you receive your benefits as soon as possible. In addition, if you have recently been denied disability payments, our firm is also here to appeal the denial, further proving that you truly need these payments. If you are unable to return to work, do not hesitate to speak with our firm. We are here to help you.
Contact our experienced firm
If you or someone you know is looking to receive long term disability benefits and needs the help of an experienced attorney, contact Walker & Hern today.
Our firm has significant experience helping people just like you retain or defend their Long Term Disability Benefits. Contact Walker & Hern for a free consultation.