Falling down is never a fun thing and if you’ve been injured it’s even worse. Some slip and fall injuries keep you from going back to work, meaning you will have to file for disability. Having insurance helps because it allows you to seek medical care as needed without having to pay out of pocket or exhaust other insurance benefits. Here’s what you need to know about the process.
Types of Disability Coverage
There are several insurance options that answer your questions about disability insurance. Getting these answers will help you choose the right policy for your slip and fall injury and the needs you have as you heal. Long term disability insurance offers you a monthly payment should your injury be severe enough that you can’t return to work. Short term coverage covers you if you have to take a short amount of time away from work as you recover. Other policies help cover your mortgage if you can’t work, supplement what your employer pays or help cover business expenses if you own your own company.
Filing for Disability Benefits Under an Employer’s Disability Insurance
The best thing you can do after slipping and falling is to file your disability claim immediately. This will typically involve filling out a packet of paperwork from both your employer and your insurance provider. You can’t start receiving benefits until this paperwork is approved so the sooner you start, the better. You can often file online with help from your employer but faxing or scanning and emailing the documents also works.
Filing for Disability Benefits for Social Security
Social security disability insurance, also called SSDI, is a federal payout that offers injured people financial assistance from the government. This process can take up to five months and many applications are denied and must be appealed. Experts recommend filing for private disability insurance first as you’re likely to get more money and complete the process much more quickly. However, you can still put in your application for SSDI as a backup. It’s never a good idea to rely on it alone unless that’s your only option as the average payout is only about $1,000 per month. You may want to consider combining your SSDI benefits with private or employer-provided disability insurance so you can get all of the benefits you’re eligible for.
Need Help? Have an Attorney Review Your Disability Claim
Navigating the disability insurance process can be difficult and frustrating and you may need some help. An attorney is a great resource because he or she knows all the laws and ins and outs surrounding the entire process and can help you get all of your paperwork in order and get your benefits started as soon as possible. A lawyer can often help get your claim approved the first time around, rather than having to go through the entire appeal process. There are many such attorneys available to finding one as soon after you’re injured as possible can get things on the right track immediately.