Examples of Disability Claims

• September 1 2024
• |   Disability Claims

Imagine being told one day that you can no longer perform the tasks you once took for granted; how would you survive?

Almost everyone works to earn money to meet their needs, but unexpected events can occur. If you’re suddenly diagnosed with an illness, one that makes it impossible for you to continue doing your job and earn money, the situation can leave you financially, physically, and emotionally confused and uncertain about your next step; after all, you will need medical attention.

As a worker, when you get hurt or sick and can’t perform your duties at work, and you need money to help pay your bills and daily needs, you can file a disability claim. Disability claims are formal requests to obtain financial assistance or benefits when you cannot work due to a significant health condition or impairment. However, filing a disability claim is not straightforward; you must understand the type of disability claim you should file for and how you will go about it to avoid being denied.

This blog will explore examples of disability claims and when to file them. Our attorneys can help you better understand and ensure your claim is successful. If you or a loved one has a severe health condition that prevents the ability to work, you can contact us at Leverty & Associates Law. Our initial consultations are free.

Why Hire Our Attorneys at Leverty & Associates Law to Help You?

Choosing the right team of lawyers to handle your disability claim is vital to ensure you receive the support and benefits you deserve; you can count on us. At Leverty & Associates Law, our team has a profound knowledge of disability law and a proven track record of successfully handling complex disability claims.

We will prioritize your case and devote time and resources to it. Our attorneys will stand by your side and advocate for your rights. If you have filed a claim and it was denied, we will appeal it on your behalf. If you need a team of reliable lawyers, we are the ones to call. Contact us at (775) 322-6636 (Reno) and (702) 507-0201 (Las Vegas) to know more about how we can help you.

We have the experience, knowledge, and expertise to support and guide you throughout the claim process.

Examples of Disability Claims

Understanding the different forms of disability claims can be helpful. The following are examples of disability claims and how they work:

Social Security Disability Insurance (SSDI)

This type of disability insurance claim provides benefits to individuals who have worked and paid into Social Security but can no longer work due to a disability. To qualify for SSDI, the disability must be severe; it must last for at least one year or be expected to result in death. After your medical documentation has been investigated and your claim approved, you can start receiving monthly benefits.

Supplemental Security Income (SSI)

Supplemental Security Income offers financial help to individuals with disabilities who don’t have much money or assets. Unlike with SSDI, you don’t need to have a work history to qualify for SSI; it is based on how much money you have and your financial situation.

An example is Anthony, a 28-year-old man with severe congenital heart disease who has never been able to work. He lives with his parents and has no significant income or savings. Anthony can apply for SSI and submit proof of his financial situation and medical records. He will receive monthly payments to help with living expenses if his claim is approved.

From gathering medical documentation to preparing and submitting your application, we will handle every detail of your disability claim process.

Long-Term Disability Insurance

Long-term disability (LTD) insurance helps replace your income if you can’t work for a long time due to a disability. Your employer might provide this type of insurance, or you can purchase it separately.

Let’s look at Lily. Lily worked as a marketing executive in an organization and had a long-term disability insurance policy through her employer. She was diagnosed with a rare form of cancer, which requires extensive treatment and recovery time. Lily can file a claim with her LTD insurer. Once she files a claim, provides detailed medical records and a statement from her doctor, and the claim is approved, she can start receiving a portion of her salary during her time away from work.

Short-Term Disability Insurance

Short-term disability (STD) insurance provides temporary income replacement for individuals who cannot work for a short period due to a disability. Policies typically cover periods from a few weeks to a year.

For example, Lucas, a teacher, had a short-term disability insurance policy through his school district. He needed surgery on his knee, and it required him to take five months off work. Lucas can file a claim with his STD insurer. If his claim is approved after providing medical records and his surgeon’s recommendations, he can start receiving a portion of his salary during his recovery period.

Do You Need to File a Disability Claim? We Can Help You!

At Leverty & Associates Law, we have dedicated and experienced lawyers committed to achieving the best possible outcome for your disability claim. Our history of winning cases and securing substantial settlements and verdicts shows our ability to deliver results. When you hire us, you can be confident that you have a team of lawyers who will work in your best interests.

We work on a contingency fee basis, so you don’t have to worry about paying us immediately. We get paid when we secure a favorable outcome. Call us today at (775) 322-6636 (Reno) and (702) 507-0201 (Las Vegas) for a free initial consultation.