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What everyone seeking long-term disability benefits needs to know

On Behalf of | Mar 15, 2019 | Long-Term Disability Insurance

It is difficult to face the emotions involved when reaching this point in your life where the word “disability” now relates to your identity. Many families and loved ones feel the ripple effect of change that occurs when you are diagnosed with an irreversible condition or have survived a traumatizing injury with long-lasting effects.

When you are facing a life-changing medical situation, there are many things you need to understand. Going through the practical process of paperwork and lifestyle adjustments are just a few of the many types of changes you will be facing.

When it comes to the legal side of your situation, here are common facts about long-term disability insurance benefits:

Defining a “disability” – The law is all about having clearly laid out definitions from which to organize the direction of a case ruling. Therefore, a disability is defined as any type of serious medical condition that causes impairment to a person’s life for at least one or more years.

Examples of disabilities include:

  • Traumatic brain injuries
  • Cancer
  • Stroke
  • Multiple sclerosis
  • PTSD
  • Fibromyalgia

How can someone apply for SSDI? – You can apply for SSDI through your local social security office, online or over the phone.

Don’t wait to apply – If you are suffering from a long-term disability that will impact your life for over a year, please do not wait to apply for social security disability benefits. Applications may take up to two years to completely finalize, you will want to get the process started as quickly as possible.

If you or a loved one is suffering from a traumatic medical condition, you deserve to have your needs met and legal backup if necessary. Oftentimes, undeserving individuals have their applications unfairly denied or rejected. You can prevent this from happening by gathering up all the information you need and working with legal professionals.

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