Have you lost your job while on long term disability benefits? When a worker in California becomes injured, they can file a claim with their insurance company, and, after a potentially lengthy process, the insurance company may start to pay long term disability or accidental death and dismemberment benefits.
California residents who receive long term disability benefits receive them through their employers or external policies they have purchased. Obtaining long term disability benefits is a process that falls under workers’ compensation benefits. Workers’ compensation laws protect those who have become injured or disabled while working at their jobs.
Under many disability plans, you can receive benefits until you retire as long as you are still disabled and then able to work. Since many California residents receive their long term disability benefits through their employer, what happens when they lose their jobs? If an insurance company is responsible for providing your long term disability payments, termination of employment won’t necessarily stop your payments. It’s rare, but it is possible. In many cases, a disabled individual will continue to be given long term disability benefits if they are employed or not.
If you find yourself in this dire situation, you can still file for long term disability benefits with the help of a California lawyer. Maintaining these benefits are important to future, health, and wellbeing, so it’s important that you take the first step and contact a lawyer if you lose your benefits due to termination.
What Causes Someone To Lose Long Term Benefits?
There are many ways in which an individual can lose long term benefits. One factor to consider is that you must continue to get medical care for your disability condition as you receive benefits. If you fail to make your doctor’s appointments, you may lose your long term disability benefits. If you lose your health insurance, it may become increasingly difficult to get the medical care you need. When this happens, some people fail to get new health insurance, causing them to skip doctor’s appointments and diagnostic tests, causing them to lose their benefits.
How Can A California Lawyer Help With Long Term Disability Benefits?
You still may be eligible to apply for long term disability benefits even after you lose your job. If you are unsure of your eligibility status, you should consult with a lawyer as soon as possible, tell them the details of your employment, and listen to their legal advice.
Your lawyer will help you in a multitude of ways. Many California residents don’t know that the onset date of your disability is more important than the date that you stopped working at a certain job. For example, if you were injured on the job and ceased employment a year later, you may be still eligible for disability benefits because the injury occurred before your employment ended. Your lawyer will help source, compile, and assess certain important documentation that proves that your injury date and termination date occurred at different times. Evidence that proves that you became disabled while still under active employment will be crucial for securing your long term disability benefits in the future.
In the unfortunate event that your long term disability benefits are wrongfully denied, your lawyer can help you file and submit an appeal to this decision as well. For example, when an insurer terminates benefits without signs of the insured’s improvement, there are often other improprieties that, when viewed as a whole, will compel a court to reverse a termination of benefits. This is why it is important to work with a lawyer who understands nuances of the law such as these.
Having an attorney present during all of these proceedings is absolutely integral to the success of your case. Long term disability benefits are a lifeline for many injured victims and, without them, you could lose income you desperately need to get by.
Call Today For A Free Consultation With McKennon Law Group PC About Long Term Disability Benefits
It’s incredibly important to work with a California attorney who understands the intricacies of disability law. Without your long term disability benefits, your life could change for the worse. If you’ve lost your job while receiving long term disability benefits, you need to act fast. With the help of an attorney, you can file an appeal and resubmit your claim to get the benefits you deserve.
Schedule a free, no-risk case evaluation with McKennon Law Group PC as soon as possible after losing your long term disability benefits. Your initial consultation is completely free of charge, and comes at no obligation to you.