Long-term disability can be a strain on many individuals and families in Texas. It is helpful for those making a long-term disability insurance claim or appeal to understand the overall impact of long-term disabilities which they may be experiencing on a daily basis.
Long-term disability impacts
Unfortunately, many adults will end up disabled at some point.
- Disabled individuals in the workforce: disabled individuals have higher unemployment rates, disabled individuals are more likely to work part time and on average earn less than their peers without disabilities at every education level.
- Disability numbers in Texas: the state of Texas has the second largest number of individuals with disabilities of all of the states in the United States. Th percentage of individuals with disabilities in the state relative to the entire population of the state is 11.7% which has remained relatively stable. By gender, 11.9% of females and 11/5% of males reported suffering with a disability.
Long-term disability insurance help
Individuals who have Long-term disability insurance may have it for peace of mind for themselves and their families should they become disabled at some point. It is intended to provide financial security for disabled individuals who find themselves disabled for a significant period of time due to an injury or illness. If they are denied a long-term disability claim, they may feel that security pulled out from under them. For that reason, it is helpful to be familiar with how to appeal a long-term disability insurance claim denial or how to litigate one if necessary to obtain the benefits disabled individuals and their families need.