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How does long-term disability differ from disability?

On Behalf of | Jun 14, 2019 | Insurance Law |

Bellevue residents like you who suffer from an issue that has left you disabled in the long-term may be wondering what you can insurance can do for you. How much compensation can it provide? How long will that compensation last? LePly Law Firm is here to answer these questions and more today.

First, there are both long-term disability benefits and disability benefits. The latter is used to cover disabilities that are expected to be resolved eventually. Examples of this may include injuries resulting from car crashes or workplace incidents which doctors expect will heal with time. Because of this, these disability benefits usually have a set time limit.

Long-term disability benefits, on the other hand, are meant to cover issues that are believed to be permanent or semi-permanent, lasting for several years or more. Examples can include disabilities that have been present since birth, or injuries that have resulted in severe damage. Brain damage or injury to the spinal cord are often among the most cited examples of permanent or semi-permanent injuries, as brain damage can last a lifetime and the paralysis or partial paralysis resulting from spinal cord injury can also leave a lasting impact. Due to the nature of these issues, disability benefits that last a much longer time are necessary.

If you are dealing with issues that would make you eligible for long-term disability benefits, consider taking a look at our webpage on disability benefits, linked here. It may also benefit you to speak with an attorney, who can help you fight for the benefits you deserve.