Your Guide to Debt and BankruptcyYour Guide to Debt and Bankruptcy

About Me

Your Guide to Debt and Bankruptcy

About 10 years ago, I secured my dream job with one of the largest corporations in the country. The job came with a substantial increase in pay and I soon looked for a large house for my family. After living the life I dreamed of, I was let go from my current position. I had a large amount of savings, but the economy took a turn for the worse and savings were quickly drained. I soon became stressed about finances. I could not pay the mortgage and bill collectors started to call my house. I refused to be defeated though, so I met with a bankruptcy attorney instead. I live a much simpler life now with my family, and I want you to know that financial stress does not have to affect you for years. Read my blog to learn about bankruptcy, debt laws, and how to hire an attorney.

Long-Term Disability Filing Tips

If you have received an injury that is going to keep you from being able to perform your normal duties for a while, then you might be able to get long-term disability. This is not like short-term disability, where you only get benefits until you recover for your injury. It is more for a permanent or semi-permanent disability that is not going to improve. Here are some tips to remember when you are filing for disability.

Don't Wait Too Long

This is a common mistake many people make when they are trying to adjust to their new disability. It can be difficult handling an injury or disabling incident, but remember that if you ever want to be compensated while not working, then you need to file your claim promptly. There is going to be a cutoff time after which you will no longer be able to file for benefits. Get help if you need it so that you can get the paperwork filled out and filed expediently. The human resource department at your company should be able to provide some insight into the filling dates, or you can consult your insurance company.

Get Medical Attention

One thing that will be a requirement for getting long-term disability is proving that you are no longer able to work due to this disability or injury. This requires getting medical attention, including saving all documents from your doctor. The insurance company wants to know what type of disability you have and that it will keep you from holding a typical full-time job. Some disabilities will allow you to only work in limited amounts, which means you get partial disability benefits, while also working part-time hours.

Hire an Attorney

In many cases, getting legal assistance is necessary. Not all long-term disability claims require legal help, but you should consult an attorney if you have a complicated case or if you have been denied after submitting your claim. The lawyer will look over your paperwork and denial, talk to doctors providing proof of your disability, and communicate with the insurance company so you don't have to. If the case ends up in court, they will already be familiar with it, so it makes it a lot easier. When you are trying to get disability benefits for a mental health disorder, it is even more important to have legal help since this is much more complicated than a physical disability.

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