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Understanding the Basics of Disability Benefits

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In the past decade, disability has become quite common. Disabilities are of many types, be it mental or physical. It is not necessary that people are always born with a disability. They may face it during their life.

In spite of their qualification, many disabled people face difficulties in acquiring a job of their choice. For disabilities, the government provides disability benefits. With these benefits, it is now possible for disabled people to control their life and get financial stability.

When it comes to disability benefits, you'll find two types: short-term and long-term. Subject to your medical condition, you may qualify for both types of disability benefits through your employer. If your employer doesn't offer you this insurance policy, you can claim the advantages directly through an insurer on an individual basis.

Conventionally, short-term disability claims compensate the money while you are waiting for approval of your long-term disability claims. To put it simply, a short-term disability insurance coverage pays your bills for comparatively shorter duration. It safeguards you against expenses of minor injuries or illness but can't support you for major accidents or disability.

In contrast, according to the terms of long-term disability claims coverage, benefits are available only after ninety days of disability. But you will continue to get the benefits for 5 years, ten years or until your retirement depending on your preferred choice while filing a disability claim. In most cases, a long-term disability program is the support system for people who struggle to manage their medical as well as other daily expenses due to disability.

The process of filing a disability claim is fairly uniform across majority of insurance companies. They need an entirely filled claim form followed by a medical test, a telephonic interview and proof of your income tax returns. An average duration for approval of long-term claims is about 3-8 weeks.

However, filing a disability claim is confusing and strenuous to some extent as the Social Security Administration has stringent guidelines in terms of eligibility, application, documents etc. There are many factors that can affect the outcome of your disability claim hence; it is often advisable to hire a professional lawyer. When you appoint a lawyer to take care of the complete procedure and in some cases, represent you in the court, he/she will guide and support you thoroughly. The lawyer will help you collect required documents and increase your chances of claim approval.

Having an experienced and dedicated Toronto Psychological Injury Lawyers from Affinity Law to handle your case from the outset can significantly increase your opportunity to receive benefits and reasonable compensation for your damages.

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