If you have been injured and this injury is preventing you from working enough to fully support yourself anymore, you might want to think about submitting a long-term disability claim. You do not want to make the mistake of assuming that the long-term disability will not be all that helpful to you. In order to have a little better insight regarding why this might be a good thing for you to go after, you will want to continue reading.
Your Income Is Not Completely Gone
Depending on your employer and the long-term disability plans offered, you should be able to continue to receive a good percentage of what your regular pay was before you were injured. In some situations, you might find that the first few weeks on long-term disability will allow you to receive full checks. Then, as time moves forward, your checks may get a little smaller, but they are still going to be a big help when it comes to making sure that your expenses are covered.
You Are Protecting Your Health Care
With a long-term disability claim, you will not have to worry about losing your health care. This is a time when you need your medical coverage the most, as the out-of-pocket costs for everything from regular medical checkups to testing and treatment can amount to a lot of money. When you are approved for long-term disability, you will find that you are still medically covered. You might have some co-payments here and there, but that is much better than trying to cover the entire cost of your medical treatment all by yourself.
Your Job Can Be Protected
If you have to go on a long-term disability leave in order to have a good chance at properly healing, you might still want to make sure that you have a job to return to once you are better. Many employers will have little trouble keeping a spot on their payroll for you for once you are feeling better. However, it is important to know that you might not return to work and end up in the same position you had before. This can happen when a company has to fill your previous position in order for business to run smoothly.
Remember, the sooner you submit your long-term disability claim, the better.
To learn more about your options, contact a long-term disability attorney in your local area.