Secure Help with Disability Insurance for Your Injury or Illness
Do you need disability insurance? The Law Offices of Barry Feinstein & Affiliates P.C. in Peabody, Massachusetts, is here to help you understand what disability insurance is and how it can benefit you.
Disability insurance is a type of personal injury insurance that provides financial protection to individuals who are unable to work due to an illness or injury. This article will provide an overview of what disability insurance is and how it can help you in the event of an unexpected illness or injury. We will also discuss the different types of disability insurance available and how to choose the right policy for your needs.
What is Disability Insurance?
Disability insurance is a type of insurance policy that provides financial protection to individuals who are unable to work due to a disability. It is typically purchased by individuals as a form of income protection in the event of an unexpected illness or injury.
Disability Insurance versus Worker’s Compensation
Worker’s compensation is a type of insurance that provides benefits to employees who are injured or become ill while on the job.
Disability Insurance versus Social Security Disability Benefits
Social Security Disability Benefits are provided by the federal government to individuals who are unable to work due to a disability. These benefits are based on the individual’s work history and income level.
Disability insurance is not required by law, but it can be purchased by individuals as an additional form of income protection.
Disability as Defined by the Social Security Administration (SSA)
The Social Security Administration (SSA) defines disability as the inability to engage in any substantial gainful activity (SGA) by reason of any medically determinable physical or mental impairment(s) which can be expected to result in death or which has lasted or can be expected to last for a continuous period of not less than 12 months.
To be considered disabled, an individual must have a physical or mental impairment that prevents them from doing any kind of work that they are capable of doing, and that is expected to last for at least 12 months or result in death.
The SSA considers an individual’s age, education, and work experience when determining if they are disabled.
The SSA also considers the individual’s ability to adjust to other types of work and the availability of such work in the national economy.
What are the Different Types of Disability Benefits Available?
Massachusetts is home to a wide variety of disability benefits for those who are unable to work due to a disability. These benefits can help individuals and families cover the costs of medical care, housing, and other necessities. Understanding the different types of disability benefits available can help you determine which ones are right for you.
- The first type of disability benefit available is Social Security Disability Insurance (SSDI). This is a federal program that provides monthly payments to individuals who have worked and paid into the Social Security system but are now unable to work due to a disability. To qualify for SSDI, you must have worked for at least five of the last ten years and have a qualifying disability.
- The second type of disability benefit available is Supplemental Security Income (SSI). This is another federal program that provides monthly payments to individuals who have limited income and resources and are unable to work due to a disability. To qualify for SSI, you must be age 65 or older, blind or disabled, and have limited income and resources.
- The third type of disability benefit available is MassHealth. This program provides health insurance coverage to individuals who are unable to work due to a disability. To qualify for MassHealth, you must be a Massachusetts resident and meet certain income and resource requirements.
- The fourth type of disability benefit available in Peabody is the Massachusetts Rehabilitation Commission (MRC). This program provides vocational rehabilitation services to individuals who are unable to work due to a disability. To qualify for MRC services, you must be a Massachusetts resident and have a qualifying disability.
- The fifth type of disability benefit available is Children’s Supplemental Security Income (SSI). This is a federal program that provides financial assistance to children with disabilities who have limited income and resources. The amount of SSI benefits a child may receive depends on the child’s age, family income, and other factors. To be eligible for SSI, a child must be under the age of 18 and have a disability that meets the Social Security Administration’s definition of disability.
These are just some of the different types of disability benefits available. If you or someone you know is unable to work due to a disability, it’s important to understand the different types of benefits that may be available. To learn more about these programs and how they can help you, contact The Law Office of Barry Feinstein & Affiliates P.C. for a free consultation concerning your disability case.
What are the Benefits of Hiring an Attorney for a Disability Claim?
If you are considering filing a disability claim in Peabody, you may be wondering how a lawyer can help you. A lawyer can provide invaluable assistance throughout the process, from filing the initial claim to appealing a denied claim. Here are some of the ways a lawyer can help you with your disability claim:
- Provide Legal Advice: A lawyer can provide you with legal advice and guidance throughout the entire process. They can explain the laws and regulations that apply to your case, as well as the best strategies for filing a successful claim.
- File Your Claim: A lawyer can help you file your disability claim in Peabody. They will ensure that all of the necessary paperwork is completed correctly and filed on time.
- Represent You at Hearings: If your claim is denied, a lawyer can represent you at hearings and appeals. They will present your case in the most favorable light and make sure that all of your rights are protected.
- Negotiate Settlements: If your claim is approved, a lawyer can help you negotiate a settlement that is fair and reasonable. They will make sure that you receive all of the benefits to which you are entitled.
- Appeal Denied Claims: If your claim is denied, a lawyer can help you appeal the decision. They will review the evidence and make sure that all of your rights are protected throughout the appeals process.
By working with an experienced disability lawyer, you can increase your chances of obtaining the benefits to which you are entitled. A lawyer can provide invaluable assistance throughout the entire process and ensure that all of your rights are protected.
Speak to an Experienced Personal Injury Attorney in Peabody, Massachusetts!
An estimated 36 million people in the United States deal with at least one disability condition every day. Though some of these disabilities are minor, many are rather serious and may significantly impact daily life. There is support available for residents of Peabody with more severe disabilities.
Talking to a disability attorney can help you determine whether you are eligible for federal assistance programs like Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI). If you are disabled and unable to work, the money you get from these programs can significantly enhance your standard of living.
Come and visit The Law Offices of Barry Feinstein & Affiliates P.C. and speak with our disability attorney for a free initial consultation. We not only can help you understand what disability insurance is and evaluate your disability case, but we also handle cases such as Nursing Home Negligence, Medical Malpractice, Slip & Fall Accidents, Car Accidents, and so much more. Call us now and book an appointment!