When serious accidents cause life-changing injuries, you or a loved one may face serious physical, financial and emotional burdens. The injured person’s ability to work and resume a normal life may be temporarily or permanently destroyed. Long term disability benefits available in the form of insurance policies offer such victims a certain amount of relief. These benefits are intended to protect you and your family members from the devastating effects that follow loss of income and income-earning capacity. The benefits provide you with funds necessary to pay your bills, medical/rehabilitation costs and other expenses.

These income replacement benefits are generally in the range of 60-85% of your regular income, available for a specified amount of time. Even if you are permanently disabled, you may not get benefits for the remainder of your life. Generally, these benefits may run for about two years. After this period if you are still unable to do any kind of work and earn an income, you have to provide proof. It has to be shown that you are unable to perform any kind of work for which you are trained, qualified or have experience in. IN such cases, long-term disability benefits can be retained.

There are several complex medical, legal and insurance issues involved. Inputs and testimony are required from experts in these fields. There are strict deadlines and filing procedures for processing your claim. An experienced car accident lawyer can assess your circumstances  and help you to present a robust claim in the correct format and within prescribed time-limits.