An injury, whether in a slip and fall or motor vehicle accident, can cause immense hardship for victims in numerous ways. Aside from experiencing physical effects, victims are often burdened with worry and concern about their medical bills, employment status, and general income loss.
Long-term and short-term disability coverage is typically obtained through your employer’s extended medical benefits plan. Such insurance can also be purchased privately. It would seem to be logical that if you become injured and unable to work, that long-term or short-term disability plan should kick in, and cover all your necessary living and medical expenses. Unfortunately, this doesn’t always happen. Oftentimes the insurers attempt to deny claims or stop payments prematurely. This can lead to additional hardship and can inhibit a successful recovery.
Insurers may deny a claim for various reasons. They may argue that an injury is exaggerated, that a claimant is being dishonest and simply avoiding going to work, that there is a lack of medical evidence to support a claim, or that documentation was filled out incorrectly.
Long-term and short-term disability coverage is often available for a variety of physical and psychological conditions associated with injury, including anxiety, depression, chronic pain, emotional trauma, amongst others.
