Busting 3 Myths About Long-Term Disability Benefits

Posted on: 7 April 2018

When a person becomes disabled, they can face an uncertain future as they may no longer be able to work to support themselves. In these situations, long-term disability benefits can prove to be essential forms of support. However, there are many myths about these benefits that may leave individuals unable to make informed decisions concerning their disability benefits.

Myth: Only Government Benefits Cover Long-Term Disability

One assumption that people will have about long-term disability is that only government benefits will cover this type of problem. however, there are many private health insurance policies that will provide at least some overage for long-term disability. When a person has the misfortune of becoming disabled, they should check with their private health insurance carrier to determine the disability benefits that it can provide.

In many instances, these benefits may prove essential for supporting you as you work your way through the lengthy process of applying for disability benefits from the government. If your current health insurance lacks this type of protection, you may want to add it to ensure you are as prepared as possible in the event that you become disabled.  

Myth: An Initial Denial Will End Your Chances Of Being Approved For Disability

It is commonly assumed that an initial denial will be enough to completely eliminate the chances of a person being approved for disability benefits. However, it is common for initial claims for disability benefits to be denied. This is a result of the fact that the process of applying for these benefits can be very complicated and lengthy.

As a result, the applicant may make mistakes that could disqualify them from being approved. In situations where the initial application is denied, the applicant will be able to file a petition for appeal. This petition will allow them to contest the denial of their benefits.

Myth: Your Disability Attorney Will Take The Majority Of Your Benefits As A Fee

Due to the complexities that can come with filing for disability, it is important to ensure that you are properly represented throughout this process. Yet, individuals will often attempt to go without this type of representation due to a fear that the attorney will take the majority of their benefits. However, this is not a concern that potential applicants should have. Many states will have limits on the percentage of the benefits that the attorney can claim. As a result, those that need these benefits will find that they can balance their need for professional presentation with the desire to protect their benefits.

For more information, contact a local long-term disability attorney.