There are cases when an individual can no longer perform life’s essential duties. Hence, they are unable to work and earn a living. Disability insurance is a policy that will help you to get the compensation that will help you to carry out the basic needs of your life. The US government offers a Social Security System that allows disabled people to get insurance to carry out their daily living. Apart from the government, there are also private companies that offer disability insurance.
How does the disability insurance policy work?
When you purchase car insurance or health insurance, all the expenditures that you have made due to an accident or an injury will be covered by the insurance company. Similarly, in disability insurance, the policyholder will be compensated by the loss of income and the disability to work.
For instance, if you qualify for disability insurance, you will get a portion of what you used to earn before your income. To qualify for the disability policy, you have to clear many criteria that the Social Security System has laid down. Apart from the government plans, there are also a few private plans that offer you disability insurance. One of the criteria that both the government and the private insurer need is, the person should be disabled for at least 12 months, or the injuries incurred should result in death.
How can a disability lawyer help you?
A crucial part of filling out the disability claim is that you need to submit proper documents to meet all the deadlines. A disability lawyer will help to fill up the paperwork and ensure that you make a timely submission to avoid any harassment. They will also see that you maintain all the legalities while submitting.
Furthermore, there are high chances of getting denied by the SSS when you submit the paperwork. With a lawyer by your side, you will be guided by a lawyer who will ensure that you meet all the criteria demanded by the Social Security System.
If you are in a situation where you need help from the government or the private insurers, instead of doing all the procedures by yourself hire a disability attorney. They will be by your side and help you to do the procedures in such a way that your application is not rejected and you get the claim.