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What should you know about long-term disability insurance?

On Behalf of | Sep 28, 2018 | Long-Term Disability Insurance Claims | 0 comments

As a Texan resident, you may have considered the uses of long-term disability insurance before. If you are suffering from an injury or ailment, you may be wondering how to make a claim. Jon Michael Smith, attorney, is here to help you through your journey with this type of insurance.

First of all, long-term disability insurance differs from regular insurance in one important way. Rather than covering one-time accidents that you eventually recover from, it is meant to cover chronic conditions or long-term injuries that may be with you for a long time. For example, if you get into an accident and become paralyzed, this could be covered by long-term disability insurance. The same goes for those who have an illness with an extremely long recovery period, or a condition that will be with you for life.

One of the biggest hurdles you may face is the denial of an insurance claim. Unfortunately, this can be more common for people seeking long-term disability care than for short-term injuries due to the extended expenses often associated with lasting health problems. If your claim is denied, you may be able to appeal it. If it’s necessary, you can also take the matter to trial in order to fight for the compensation you deserve.

If you are currently dealing with long-term disability insurance, whether it’s making claims with insurance you already have or trying to find an insurance that is a good fit for you, you may want to take a look at our web page. You can find more information there, along with ways to contact our experienced attorney.