Can You Get Long Term Disability Benefits for Catastrophic Injury?

When an injury happens suddenly and without warning and leaves the victim with life-changing impacts and long-term consequences, that injury constitutes a catastrophic injury. A catastrophic injury can come in many forms and it is not uncommon for these types of injuries to limit or eliminate one’s capacity to work. As a result, your income may be compromised. For more information on whether or not you can get long term disability benefits after sustaining a catastrophic injury, please continue reading, then contact one of our experienced nation-wide LTD benefit lawyers today.

What are the causes of catastrophic injury?

The causes of catastrophic injuries are seemingly limitless, but some of the most common are as follows:

  • Car accidents
  • Trucking accidents
  • Pedestrian accidents
  • On-the-job accidents
  • Boating accidents
  • Motorcycle accidents
  • Fires and explosions
  • Defective products
  • Medical malpractice
  • Horseback riding accidents
  • Falls from heights
  • Violent crime
  • Bicycle accidents
  • Jet ski accidents

What types of a catastrophic injury may qualify for long term disability benefits?

Although many people think of paraplegia and quadriplegia as common catastrophic injuries, they are just the beginning. By their very nature, catastrophic injuries often happen swiftly and without prior warning. One second your life is fine, the next it is upside down. The following are just a few different types of catastrophic injury:

  • Amputation
  • Spinal cord injury
  • Loss of hearing or sight
  • Eye injury
  • Facial injury
  • Nerve damage
  • Paralysis
  • Brain injury
  • Neurological damage
  • Crush injury

How do you know if your catastrophic injury qualifies for long term disability benefits?

Ultimately, that will depend on the exact terms and conditions of your insurance policy. However, the general rule for eligibility for long term disability benefits is that any injury capable of barring you from working your current job or any other job will likely qualify.

Many catastrophic accidents, especially collisions with semi-trucks and big rigs, leave victims with neck, spinal cord and traumatic brain injuries. Depending on the severity of the injuries, victims could be facing permanent physical, mental and/or emotional debilitations. Considering that head injuries could leave victims unable to recognize family members, walk, brush their own teeth or even feed themselves, all catastrophic injuries have the potential to saddle victims with complex medical problems that make it incredibly difficult for victims to cope with others and perform the functions of their jobs.

Of course, before you launch your campaign for long term disability benefits, you should consult with one of our skilled long term disability insurance attorneys. Our firm will help you prepare and prosecute a case for LTD benefits on your behalf.

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.

Don’t fight the insurance company on your own.
Contact us today for a free consultation.

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