Disability Law – Understanding the Law in Depth
Most of the time when people talk about insurance, they refer to life insurance, car insurance and home insurance. Rarely do they take disability insurance into consideration and yet it is one of the vital parts of a person’s portfolio. The risk of a person becoming disabled is not very high but about 25% of the US population gets affected by it.
Get to Know it
Most of the workers think it as a liability without understanding the basics about it. Accidents are unfortunate and can happen to anyone irrespective of the age and working responsibilities. Moreover, it is essential if you are dealing with hazardous working conditions.
The word disability has a specific meaning under the law of the United States. To a common person it may seem just like the Social Security Law but it is different. This law deals with monthly or periodically worker’s compensation, disability insurance based on the time frame, educational coverage for children of the worker, spouse and family protection. To secure most of the workers in the US opt for group plan which includes Disability program along with social security disability
You must understand that Social Security deals only with the time period where you do not have a job or you are under paid but Disability law is different and it takes the entire responsibility of your and family’s traumatized situation.
How does this insurance works in sync with the law?
Disability insurance comes under Labour’s protection Law and thus it provides monetary help upon the loss of income as a result of a person’s inability to work. The disability may be for three months, six months, one year or incurable. Therefore, under this period a person will receive his due income from the company. However, since this is a medical condition and is entirely based on the medical documentation, filing for such insurance will be tedious and can be turned down, if not done in a proper way.
Nevertheless, the laws of United States pertaining under this act is quite strict. The Law Offices of Nancy L. Cavey is the most reliable law firm that you can trust with employment related insurances, coverages and law. They have years of experience and their success rate is higher than other firms. They have solved unique cases and have helped people in need. Their charges are reasonable and you must have an appointment with them to discuss the issues you are facing.
Factors of the disability law
On job accident
You can win your plea with your disability law if you have faced your accident on job time and within the office or work premises. This suggest that if you face accident while outside your defined working circle you may not be provided the compensation.
However, unfortunate situations may occur and you may be present at the wrong time in the wrong place during the office hours. this is where a disability lawyer can help you win the case based on facts and figures.
Since this is a medical condition, you are eligible to get compensation if you have total disability. Your medical report must state resting time period and strong reasons and reports supporting it. Otherwise you will be shifted to the Social Security program by your office for only a limited time period or even they may shift you to desk job.