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Disability Insurance
Disability Insurance - Tips on Finding the Right Long Term Disability Insurance Plan
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[QUOTE="Edulet, post: 168962, member: 604"] [JUSTIFY]If you have been injured on the job or in an accident, and you are receiving long term disability insurance benefits, it is crucial that you understand how to submit your benefit request to your insurance company. Often times, your benefits administrator will need information from you regarding your injury in order to process your claim. Understanding what is required of you during this time can make the process go more smoothly. Following is a brief explanation of how you should go about filing a claim for your long term disability insurance benefits. [RIGHT][IMG align="right" width="1068px" alt="long term disability insurance"]https://i.imgur.com/43G42vx.jpg[/IMG][/RIGHT] First, you should always contact your benefits administrator right after you or another employee has been injured. Your benefits administrator will ask for information about your injury if you are injured on the job. For example, if you are in an auto accident, your benefits administrator will ask you for the name of the other driver involved in the accident. You may also be required to provide information about the other person's vehicle or other facts that relate to the accident. When you talk with your benefits administrator, you should ask about the long term disability insurance benefit. The benefit amount that your disability insurance provider pays you will depend on many factors. Often times, the type of injury you suffer will impact what your compensation will be. Also, you may have a reduction period following your initial injury. If you do not have a substantial and disabling impairment prior to the loss of your job, your benefits administrator may not be able to grant you long term disability benefits. There are also several factors that determine whether or not you will qualify for long term disability insurance benefits. Some of these factors pertain to your age, physical health, and the amount of time you expect to require a period of recovery from your injury. If you anticipate a long period of rehabilitation before beginning work again, you may be able to receive long term disability insurance benefits. In addition, if you anticipate working in a position that requires lifting or other similar activities for extended periods of time, you may also qualify for long term disability insurance. One factor that should not affect your ability to obtain long term disability insurance is your current or predicted earnings level. Most long term disability insurance policies are very affordable. However, they do not provide the same benefits as life insurance. Life insurance usually provides the death benefit, which means that survivors will receive a lump sum payment of money upon the policy holder's death. Long term disability insurance does not have this benefit. As you can see from this article, there are many different factors that can determine whether or not you qualify for long term disability insurance. You should always consult with an experienced disability lawyer before making any decisions, especially regarding your long term disability insurance plan. You want to make sure that the plan that you get is going to provide you with enough income to sustain you and your family in case you become disabled. If not, the costs could be devastating! If you are currently considering getting disability benefits, find a qualified disability attorney to help you understand the process of applying.[/JUSTIFY] [/QUOTE]
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Disability Insurance - Tips on Finding the Right Long Term Disability Insurance Plan
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