Long term disability can cause economic hardships, emotional distress, and acute mental agony arising from the feeling that a person is no longer in position to take good care of themselves or family.

1. Long Term Disability Insurance
Coverage Can Alleviate Your Ordeal

2. Long term disability can cause economic
hardships, emotional distress, and acute mental
agony arising from the feeling that a person is no
longer in position to take good care of themselves
or family. The present and future lost wages often
leads to devastating consequences in the form of
foreclosures and even bankruptcy. Long term
disability insurance coverage can be of some real
help here by providing you with a steady income
for an extended period of time.

3. Donofrio Law Firm, PLLC, have excellent long
term disability claim lawyers who work with the
utmost sincerity and devotion to ensure a brighter
future for a disabled worker. Economic hardships
that come with long term disability can shatter
anybody. These compassionate lawyers
understand the feelings of a disabled worker and
leave no stone unturned to make sure they receive
their legitimate insurance claims.

4. Long Term Disability : The Myths And The
Facts
A majority of people believe that their chances of
suffering from an accident or an illness that will put
them out of work for a longer period of time are
close to nil. They think that unfortunate and
unforeseen events that cause debilitating injuries
or illnesses happen only to others. A large
percentage of workers suffer from the
misconception that disabilities are usually caused
by freak on-the-job accidents.

5. What do Statistics say?
According to the American Council of Life Insurers,
more than 30 per cent of American workers
between the ages 35 and 65 run a credible risk of
being disabled for more than three months.
According to the Council for Disability Awareness,
25 per cent of workers aged between 20 to 30
years have real chances of becoming disabled
before they approach the retirement age.

6. What Is The Chief Cause Of Long Term
Disability?
Contrary to popular belief, life threatening
diseases, and not some on-the-job or off-the-job
accidents, force people to remain absent from
their work for an extended period of time.
Diabetes, cancer, cardiovascular diseases, and
musculoskeletal and connective tissue disorders
which result in joint pains, pain in the lower back,
neck, foot, and ankle are the chief contributors to
long term disabilities.

7. Effects Of Long term Disability
Disability of any type or form can strip a worker of their ability
to make a living. No one wishes a life where some disorders
or accidents severely hamper a worker’s ability to work and
make an honest living. Workers think that life will continue as
it is and when the disability strikes they are left dazed and
stunned. A little bit of savings can see you through for a few
months but as the disability period extends, lost wages and
medical expenses start making their presence felt. This is
where long term disability insurance can come to your
rescue. Disability insurance will replace up to 60 per cent of
your income (in some cases, up to 70 per cent too,
depending upon the policy) for the time period you are
unable to work or till you attain retirement age.

8. What And How Of Long Term Disability
Insurance
Short-term disability insurance will pay a worker
anywhere between 40 to 60 per cent of their base
salary if they suffer from a temporary disability that
may last up to three months. Long term disability
kicks in after the short term disability insurance
comes to an end. Long term insurance in most
cases is provided by employers though workers
can supplement their employer's disability
coverage by purchasing an additional long-term
disability policy.

9. Please remember that premiums paid by after tax
dollars will result in tax free disability benefits. If
you are or your employer is paying the premium
with pre-tax dollars, your disability benefits will be
taxed.

10. Private long term disability insurance companies
actively cooperate with employers and workers to
ensure that a worker regains his fitness as soon
as possible and returns to work. This proves
beneficial both for the worker and the insurer- a
worker regains his health and his optimum
productivity level whereas a private insurer saves
money.

11. Bad Faith Practices – What Is It ?
Bad faith is defined as "the unfair or unreasonable
denial or underpayment of legitimate insurance
claims."

12. Bad Faith Practices - What Should You Do?
It is not infrequent to see private long term
disability insurance companies indulging in unfair
denial or underpayment of legitimate insurance
claims. Some states have established laws to
protect disabled workers from the malpractices of
insurance companies. Misrepresenting policy
benefits, unfair denial of benefits, unreasonable
delay in handling of a claim, coaxing client not to
hire the services of a lawyer, and so on are some
common bad practices an insurance company
indulges in.

13. Donofrio Law Firm, PLLC, has lawyers who can
help you in recovery of the policy benefits and also
get you additional benefits and punitive damages
for the losses suffered by their client.

14. No one wishes to think of a life of high medical
bills, lost wages, lost savings, financial insolvency,
and even bankruptcy. A little bit of foresightedness
and clairvoyance can certainly help matters. Long
term disability insurance coverage can alleviate
your sufferings to a certain extent by paying a
portion of your salary for the time period you are
unable to work.

15. Donofrio Law Firm, PLLC, has lawyers who pay
personal attention to their clients. They provide
excellent legal advice and representation to their
clients and assist them at every stage of their
ordeal.