You were working and earning an income, but now you have a disability that prevents you from doing that. You are not alone—U.S. disability statistics indicate that approximately 20 percent of people who work at least 52 hours in a calendar year are unable to work during the next calendar year due to a disability.
If this happens to you, then you need to know what to do next. You need to know how to keep a roof over your head and food on your table. Depending on your unique circumstances, private disability insurance and government programs such as Social Security disability and Veterans’ disability may be options for you.
These programs are not charity. Instead, they are benefits that you earned while you were working. However, while the law may qualify you for one or more of these benefits, it is up to you to request them. Unfortunately, it is often up to you to advocate for your fair recovery of these benefits.
This can be overwhelming, but there is help available. The experienced legal team at Brent Adams & Associates is committed to helping people with disabilities get the full and fair benefits that they deserve.
Social Security Disability
Social Security disability is an option for workers who have paid enough into the Social Security system to qualify for such benefits, who are permanently disabled, and who are unable to work because of their disability.
The amount of your monthly Social Security disability benefits will depend on your average earnings prior to becoming disabled, up to a maximum amount set by law. Your benefits will continue for as long as you are disabled or until you reach retirement age and become eligible for Social Security disability retirement benefits.
The first step in the Social Security disability process is to apply for benefits. Unfortunately, the majority of initial Social Security disability applications are denied—often because of technicalities or missing information. You can help avoid this outcome or appeal a denial with the help of a board certified Social Security disability lawyer.
You have served our country and now it is time for our country to help you by providing you with the disability benefits that you have earned. If you have suffered an illness or injury that is related to your service or that has been made worse by your time in the service then you may be eligible for Veterans’ disability benefits.
If you qualify for benefits then you will receive monthly compensation based on your disability rating. You may qualify for more than one disability and your disability rating should reflect that.
It is important to note, however, that some valid Veterans’ disability claims are denied, that disability ratings may be incorrectly calculated, and that disability ratings are not permanent. However, an experienced Veterans’ disability lawyer can help protect your rights and make sure that you are respected by receiving the benefits that you earned during your time in the service.
Disability Insurance Provided by Your Employer
If you have disability insurance through your employer then your policy is likely subject to the regulations of the Employee Retirement Income Security Act (ERISA). Most group disability insurance plans that are provided by employers allow a person with a disability to receive a monthly benefit that is equal to approximately two-thirds of what the person was earning before becoming disabled.
ERISA subjects these types of disability claims to strict regulations. If your claim is denied, then you must comply with strict deadlines and specific legal procedures in order to get the benefits that you have earned and that you have paid for by working. While the process can be frustrating and complicated, the benefits are important to your future.
Let Us Help You Get the Disability Benefits You Deserve
Even if you clearly qualify for Social Security disability, Veterans’ disability, or private disability insurance benefits, your claim may be wrongfully denied. Our legal team knows how emotionally difficult and financially devastating this can be for you and we want to do everything in our power to help you get the fair benefits that you deserve.
If you are disabled and you are unable to work, then we would be pleased to meet with you in our office, at your home, or in your hospital room if that is easier for you. Our team includes a board certified Social Security disability benefits attorney and committed professionals who are going to give you the individual attention that you deserve.
Please contact us today to schedule a free, no-obligation consultation and to get the information that you need to make informed decisions about getting the disability insurance benefits that you have earned.