Texans depend on insurance policies to help them out should they be faced with certain terrible situations. One of these types of policies is disability insurance.
There are two types of disability insurance policies. One is short-term disability insurance and the other is long-term disability insurance. People can have both types of disability insurance to ensure there are no gaps in the insurance benefits they receive.
What long-term disability insurance covers
Long-term disability insurance policies usually cover most injuries and illnesses that prevent people from working, but it is important to understand the terms of the policy to know exactly what is covered and what is not. Also, long-term disability insurance does not start until anywhere from three months to a year after people are no longer able to work depending on the policy. It can last for years after it starts though.
That is why long-term disability insurance can be so valuable. It can pay people around 60% of their income while they are unable to work, which could be years after an injury initially occurs. That is why it can be so difficult when insurance companies deny a claim for disability insurance. Denials can leave people in a very difficult position when they are fully expected to be receiving benefits.
If people in Texas have long-term disability insurance claims denied, they may be able to appeal the decision though and still receive their benefits. There are many reasons that disability claims are denied and there are times that the reasons for the denial are not valid. Understanding the fine print in the insurance policies is important. Experienced attorneys understand why insurance companies deny various claims and may be able to help people receive the benefits they deserve.