The odds of eventually suffering an accidental injury, chronic health condition, or unexpected illness that impacts your ability to work or perform certain tasks on your job are strong. When this happens, long term disability benefits can help offset your losses in income, ensuring that you and your family have what you need. Assessing your risks and any benefits you have in place can help ensure you are protected.
A disability is considered to be any type of emotional, physical, or cognitive issue that impairs your thought process, mobility, or ability to perform various tasks for a period of three months or more. In some cases, you can recover sufficiently to return to work, though a job change or other modification may be required. Long term disabilities are considered those which prevent you from working for a period of years and are likely to eventually be the cause of your death.
According to the Social Security Administration (SSA), roughly one in four young people will eventually suffer a disability before reaching retirement age. These generally occur as a result of one or more of the following:
There are steps you can take to reduce your risks of suffering long term disabilities or minimize their impacts on your life, but it is still important to have the proper protections in place. Long term disability benefits may be available through three different sources:
At Bartolic Law, we help people get the disability benefits they are entitled to. For help in filing a claim or appealing a denial, call or contact our Chicago long term disability attorneys online and request a consultation today.