Usually, when an injury deals with long term treatments is considered as long term disability cases. These disability cases may include brain traumas, paralysis, etc. These cases generally require long term treatment. So the victim needs to go through medical assistance for quite a long time.
In order to claim for a long term disability settlement, you need to be well-prepared with evidence and all the necessary documents. In most cases, this is not a simple process. Going through all these legal procedures requires so much work. That is why you may need to hire a long term disability insurance lawyer.
In this writing, we are going to discuss everything about long term disability lawyer. So keep reading to learn more.
Long Term Disability Lawyer Fees
Before hiring a long term disability lawyer, the first thing you may wonder, how much do they charge. All lawyer doesn’t charge the same. So the fees can vary depending on the lawyer’s experience, skills, where you are living, and so on. The fees also depend on your circumstances and situations.
In simple words, the more complicated the case is, the more a lawyer will charge you. Then again, you will get plenty of lawyers around your area at a reasonable cost. You should definitely ask for their fees and cost before hiring long-term disability lawyer fees.
In long term cases, the lawyer and the victim both need to be loyal enough with the case because they need to go a long way together. Usually, in long-term care, a lawyer guides the victim for a quite long time. If you think your budget for your lawyer is exceeding, then you can also negotiate the lawyer fees.
How to Apply for Long Term Disability
Some injuries or disabilities require long term treatment. And those treatments really cost you so much money. So in order to get long term settlement for a long term welfare disability, the first thing you need to do is to apply for it. You need to follow certain steps and procedures to do that. These steps may include the following:
1. Seek Help from a Professional
Generally, long-term disability cases are a bit complicated than regular cases. You need to do a lot of things to apply. That is why you may need guidance or assistance for the whole application process. So you may go for professional help (i.e., a long-term injury lawyer).
When you have professional guidance, it will increase the chance of winning the case. Again, a lawyer can assist you in the step-by-step process, and they will guide you in the procedure. Going for a long term disability settlement without hiring a lawyer is so risky and not recommended.
2. Notify Your Workplace
The next important thing you need to do is to notify your workplace about your situation. Sometimes, it is very necessary for you to inform them about your disability to return to your workplace. No matter it is a temporary or permanent disability, you need to let them know about it.
When you want to get the benefits from your long term disability, the insurance company will ask you for your workplace documents. So before applying the application, you need to make sure that you are well-prepared with all the legal documents of your workplace and everything regarding this.
3. Fill Out and Submit The Application
In order to get the benefits from a long term disability, you need to apply and fill out an application. This application will require your necessary workplace statement along with some necessary information. This information may include the following;
- Your full address
- Your photo id
- Date of sickness
- Medical information
- Doctor’s reports
- Workplace information etc.
Although the information required can vary depending on your insurance company, you need to fill out the application form with details. If you want to add any additional information, then you can add extra pages. But it is always better to explain everything in detail because it will help you a lot in the future procedure.
4. Get Your Workplace’s Statement
In the application process, you also need to provide your employer’s statement. In that section, you will require to provide some information like the day you hired, your monthly income, last date in the workplace, and so on because this information is really mandatory whether you are eligible for insurance benefits or not.
5. Get The Doctor’s Statement
After done with all this process, the next thing you need to get is the doctor’s statement. When you visit the doctor, the doctor will know your physical and mental situation than any other person. So, if you ask for your medical statement, they will provide you a statement.
That statement will contain information like any signs and symptoms, treatment information, types of treatment, medication information, whether you are able to go back to work or not, and so on. It is always recommended to have the doctor’s statement before going for the application.
Long Term Disability Payments
Depending on your situation and disability, the payment plan will be settled. Typically, in Canada, the long term disability payment is 40% or 80% of your monthly income. This percentage can be more or less, depending on the circumstance. There are some types of payments that you may eligible for.
The first one is the pre-disability earnings. This payment will be reassessed depending on how much you were earning just before your disability. Some insurance payment policies may include the monthly commission, bonuses, and many more.
Although when the case is long term disability, you will have the chance to get the maximum amount of compensation. The average monthly payment for these types of disability is $5000 to $30000 per month. You can also find and read your insurance company’s policy to know the exact amount of settlement.
The next type is for the adjustment of living costs. When your insurance company approves your application for compensation, they should also count the cost of living with that. Because generally, when you are unable to work, the cost of living also becomes a very important factor. That is why you will get some benefits and payment to adjust your cost of living.
Disability Claim Lawyers
To avail of all these benefits from the insurance company, you need to go through all these processes. And you will also have to show them the necessary documents of your medical reports and workplace statement. Even though going through all these processes and claiming a fair settlement is not a simple task.
That is why it is advisable for you to hire a disability claim lawyer. An experienced and skilled lawyer can guide you throughout the claiming process. They can also know the legal policy of your insurance company. So if you hire a disability claim lawyer, the chance will increase to obtain a maximum amount of settlement.
The Bottom Line
When you are a victim of long term disability cases, you may need to maintain and go through a lot of things. Sometimes, it may include your mental and physical stress. That is why ensuring insurance coverage and benefits may seem so difficult for you.
So, seeking professional lawyer assistance is always a good option. If you are running into trouble, your lawyer can file your long-term disability claim and guide you through obtaining the benefits. So, hopefully, this wiring helped you to know everything about long term disability lawyer.