If you need to make a claim for social security disability or long-term disability, then you would benefit from speaking with an attorney who specialises in this field. I’ve found out the low down on the experts at Osterhout Berger to see how they can help you if you need support in this area.
Why do people claim disability benefits?
There are many reasons why someone may need to make a claim for disability benefits- from accident or injury to cancer or a long-term health condition.
The latest statistics indicate that 1 in 4 20-year olds today will become disabled before they retire. This rises to a 50% chance of becoming disabled for three months or more by the time you are 35. If you’re 50, there is a 33% chance of becoming disabled for three months or longer before you retire.
Do you have disability insurance?
Disability insurance is one way of safeguarding your family against financial hardship in the event that you are no longer able to work. Whilst Social Security Disability Insurance is state funded, it is means tested, difficult to qualify for and the amounts given are low.
There are two types of disability- long term and short term. If you have long term disability insurance this will pay out for conditions that last more than 6 months. it typically pays 40-60% of your salary but it may take a year or two to receive it.
Short term disability insurance pays out quicker and at a higher rate at 60-70% of your salary but it only lasts for a few months.
What are the steps involved in a disability claim?
The team at Osterhout- Berger are specialists in helping clients with long term disability or SSDI claims. Over the past few decades, they have helped over 30,000 people receive the benefits they are entitled to.
As Berger explains, “If you need to make a claim for disability insurance, make sure that all the necessary information is put forward which may be relevant to your claim. You must also seek legal advice immediately if your benefits are denied or terminated. Without representation, you may not be able to add additional information should you wish to appeal against the claim decision.”
Firstly, the team ensure that all medical information is obtained and passed to the judge before the hearing takes place. Each client is assigned a personal case manager who will explain the claim process, answer any questions and keep the client informed of any updates as and when they arise. A mock hearing is also staged with clients to help them prepare for any questions they are presented with by the administrative judge.
In short, let’s hope none of us ever need to make a claim for disability insurance but it’s good to know that help is out there if you do ever need it. Do make sure you have insurance and get help immediately if you need to make a claim.
