When a personal injury results in a disability, you may be entitled to file a disability claim with your insurance. A disability claim requests income assistance for an individual who believes that a physical or mental disability hinders their quality of life. You may find that you are unable to keep the job you previously had and therefore require disability insurance to restore a portion of your lost income. If you or a loved one have been suddenly injured or taken ill, you may qualify for disability insurance. The disability lawyers at Sudbury’s Paquette & Paquette can help you file your claim and get the compensation you deserve.
Disability claim vs. workers’ compensation: what’s the difference?
Both workers’ compensation and disability claims provide people with compensation for injuries and illness. However, there are distinct differences between the two. Workers’ compensation is money received for work-related injuries and illnesses. Usually, an employer purchases workers’ compensation insurance to pay employees should they be hurt on the job. Employees who collect workers’ compensation do not typically have a disability, but a temporary injury. On the other hand, a disability claim or disability insurance pays a part of a worker’s earnings if they are no longer able to perform their job duties as a result of injury or illness. For disability insurance, you will usually pay a premium towards it through an employer-sponsored benefit plan.
Do I qualify for a disability claim?
In order to receive income support through a disability claim, you first have to qualify. Qualification is based off of two factors: your financial situation and your disability status. You will have to know your and your family’s personal and financial information, including who makes up your family, the number of children you have, and the number of dependent adults in your family. Housing costs, income and asset information is also required to determine your financial situation. Disability status is based off of whether your mental or physical impairment is continuous and expected to last for a year or more. This disability must result in a substantial restriction of your ability to work, take care of yourself, or take part in community life. If you aren’t sure if you qualify to file a disability claim, talk to one of our disability lawyers in Sudbury.
Why a disability lawyer should handle your claim
Many people often handle their disability claim without a lawyer. They have the right information and understanding of the law and can effectively file their claim and initial appeals. However, if you are not familiar with the law or the disability claim procedure, you run the risk of making mistakes that can’t be fixed. This could include missing deadlines or getting the wrong type of medical report from your doctors. Hiring disability lawyers in Sudbury gives you peace of mind knowing that your claim will be handled correctly. Paquette & Paquette recommend that you talk to a lawyer before you leave work to go off on disability. By working with a lawyer to build the claim, you have a better chance of success.
Let us help you: contact us today to discuss your case.
In disability cases, we offer our services on a contingency fee basis, which means you do not pay unless money is recovered on your behalf in a judgment or a settlement.