Being diagnosed with a debilitating disease or experiencing an unexpected accident that leaves you critically injured is taxing. Not only on your body and mind, but also on your wallet.
You should be focused on healing and getting healthy, not on how you’re going to pay the next doctor’s bill. In addition to medical bills, prescriptions and in-home care – you may also be faced with a situation in which you aren’t able to return to work. And while short-term disability coverage may help you make ends meet for a while, it eventually runs out.
Young, Marr and Associates understands the difficulties of trying to balance life, finances and a career following a major incident such as a car wreck or unfortunate diagnosis. We have worked with thousands of clients who sought Long-term Disability Coverage – and won.
In fact, we have an 89.4% success rate when it comes to getting our clients the coverage they deserve – a much higher success rate compared to the industry standard of 62%.
Trying to file for Long-Term Disability coverage yourself not only adds stress to an already trying situation, it could be detrimental to your case and ultimately leave you with little to no help financially – or even without a job at all.
We can help you understand the process, gather evidence to build your case, file the necessary (and often time-sensitive) paperwork, and if necessary, appeal a claim if you’ve already been denied benefits.
Disability insurance is a benefit generally found in an employer’s benefits package. Long term disability insurance covers a portion of an employee’s income, normally about 50%-70%, if the employee is injured or becomes seriously ill and cannot work – usually kicking in after a short term disability policy runs out. On average, short term policies end about 26 weeks after an eligible event. It’s also important to note that if you’re hurt off the job, worker’s compensation does not cover you, which is why long term disability coverage is so crucial. Depending on the company’s plan, long term coverage could be paid in full by you, the employer or the cost could be divided between you and the company.
Call Young, Marr and Associates now and let us focus on getting you the benefits you deserve, so you can focus on your health.