Frankel & Newfield, P.C.

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long term disability Archives

Study shows link between TBI and long-term disability, dementia

People can suffer a traumatic brain injury (TBI) for a variety of reasons, including car crashes, sporting accidents, falls from heights and more. In fact, TBIs are a leading cause of long-term disability in our country. In fact, in 2013, over 2.5 million people in the U.S. sought emergency room care or were hospitalized for a TBI.

What are some common causes of long term disability?

Sometimes, it is a condition that comes on suddenly, while other times it is a condition that slowly develops, getting worse as time goes on. However, it happens, though, it is not uncommon for a worker to become disabled at some point before retirement. What are some common causes of disabilities that lead to missed work?

Don't let applying for long-term disability overwhelm you

Sometimes a person suffers from an ailment that will keep them from being able to work for a long time. While that person may ultimately want to go back to work, they will need some way to meet their financial obligations while they are disabled. This is when having a long-term disability insurance policy can be important. The following are some tips for those who are facing the prospect of applying for long-term disability benefits.

What are some common causes of long-term disability claims?

It is only natural to assume that we won't become seriously ill until well after retirement when we are in our elder years. However, disability is no respecter of age, and many people will find they become disabled while they are still young and working. In fact, the Council for Disability Awareness reports that, on average, a person with a long-term disability will not be able to go to work for over 34 months. To put it into perspective, that's nearly three years that a person will be unable to earn money to support themselves and their families.

Long-term disability benefits are a financial lifeline for some

While people in Garden City may acknowledge that in general people should have long-term disability insurance, few have actually taken steps to obtain such coverage. According to one survey, 65 percent of respondents claimed that individuals in general should have a long-term disability insurance policy. However, only 48 percent of respondents reported that they personally should have such coverage. Furthermore, merely 20 percent of respondents actually had such policies.

How do long-term disability benefits compare to SSD benefits?

If a person in New York becomes disabled for an extended period of time and cannot work, he or she may rely on private long-term disability benefits to make ends meet financially. However, the federal government also provides disabled workers with Social Security disability benefits, if the worker qualifies. Therefore, it is important to understand how private long-term disability benefits compare to Social Security disability benefits.

Planning the financial future? Don't forget long-term disability

Many people in Garden City have taken steps to protect their financial futures. They've saved for retirement and purchased life insurance policies in case they died young. However, one aspect of financial planning that sometimes goes forgotten is planning for the possibility that one will have to leave the workforce early due to a disability.

We protect the rights of those with long-term disability claims

It only takes a split-second accident for a person in New York to become disabled. For some, it is due to a car crash, for some it's a fall, or for some it's through working with heavy machinery. When a person suffers a disabling injury, they may be very thankful that they have long-term disability insurance through their employer. However, navigating the long-term disability insurance landscape can be difficult.

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