As you know, having a herniated disk means that you are subjected to regular and severe pain. In many cases, this can hinder, or entirely prevent you from returning to work. For this very reason, long term disability insurance exists, however, oftentimes, insurance companies will make it difficult for you to receive. Please continue reading and speak with our experienced long term disability attorneys to learn more about these benefits and how our firm can help you through every step of the process ahead. Here are some of the questions you may have:
If you find yourself currently unable to return to work because of a disability, LTD insurance is designed to provide you and your family with the financial relief you need to uphold your standard of life. That being said, there are two forms of LTD benefits: monthly payments or one lump-sum payment. Which you receive depends on your specific situation.
In many cases, yes, you can, however, you will have to prove several things. First, you must demonstrate that the herniated disk compromises a nerve root, thereby causing serious, distributed pain. This pain must cause a loss or serious reduction in motor function, reflexes, or impair your sensory abilities. To prove this, you will have to use MRIs, CT scans, doctor’s notes detailing how the disability affects your life and prevents you from returning to work, a copy of your medical history, and more. Our firm can work to ensure that you have all of the necessary documentation to prove your claim.
In most cases, you should see your first disability payment within 90 days of approval, however, there are times where individuals have to wait as much as one whole year to receive these payments. Though these situations are relatively uncommon, it does happen, which is why you will need an experienced team of attorneys to can work to expedite the process as quickly as possible. You should also understand that simply applying for these benefits does not mean you will be approved. If you are denied benefits the first time, our firm is here to appeal that denial and work to ensure that you receive the benefits you need to live your life with peace of mind. For any additional questions, give us a call today. We are always here to help.
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.