Disability Insurance Claim

The inability to indulge in any substantially profitable activity is generally referred to as disability. Disability may be temporary or permanent. Temporary disability may be either for a short-term or for a long term.

Short-term disability insurance provides income when an injury, sickness or pregnancy leads to disability. If a person is out of work due to any of these reasons for at least 10 working days, such short-term disability benefits can be claimed.

The disabled person will need to provide details such as social security number, employer name, work location, work phone, home address and phone, date of joining, doctor’s name and phone number, a description of the injury and the nature of work while filling up the application.

The application goes through an evaluation process and the claimant’s eligibility to receive the benefits is determined. Long-term disability provides income if a disability renders a person unfit for work for the period of a year or the disability is expected to last until death.

This insurance provides covers for worker’s disability, widow or widower’s disability, adult child disability, childhood disability and retirement supplemental income. Different policies have different provisions and riders and insurance may cover any one or all of these disability types.

Details that need to be provided for a long-term disability claim include social security number, birth certificate, employer details, work description, doctor’s report, names of medicines and  reports of medical test and diagnosis. These documents are then reviewed and verified to check if the claimant is actually eligible to receive the benefits.

The payment for long-term disability claim is in terms of monthly sums that are paid out to the disabled person and to dependant members of the family. Documentation is also required on a periodic basis to ensure that the disabled person and his or her family qualify to continue receiving the compensation.

For a permanent disability, it needs to be established that the claimant has suffered a disability, which has permanently affected his or her working capabilities and rendered him or her incapable to carry out any productive work for a lifetime.

Disability insurance is a landmark development in providing much-needed assistance to disabled persons. It helps to create equal opportunities for people with disabilities, so that they do not feel discriminated against in any way.

With the monetary help provided by disability insurance schemes, disabled people are able to meet their medical expenses and support their families. The financial help and support enables the disabled to live a life of dignity and normalcy.