Whenever you are dealing with a situation that keeps you out of work for any extended period of time, you’ll need to make sure that you are able to capitalize on disability benefits said an oakland attorney. There are some benefits that you are entitled to under the Employee Retirement Income Security Act, which will help you to pay for your loss of income if you are out for the long term. If you are getting ready to go through this process, consider these tips below, which will guide you through it and let you know what to expect.
#1: Be prepared to make it through a waiting period
Even if you are expecting long term disability benefits, there is typically a waiting period involved. In most cases, this waiting period will last somewhere between 3 months and 6 months. By understanding this waiting period, you’ll have the opportunity to set your ducks in a row, in order to eventually get the payout that you are entitled to once the waiting period has concluded.
#2: Stay on top of your doctor’s orders
Any time that you are filing a long term disability claim, you’ll need to do everything you can to heal. This begins with following your doctor’s orders and making sure that you’re putting yourself in the best position to tackle your injuries. This will make the process easier to get through, and will also provide you the documentation needed to have a successful claim. Following your doctor’s orders also expresses to insurance companies that you are actually in need of the benefits and not committing any form of fraud.
#3: Be aware of the amount you’re entitled to
It is very important that you’re fully aware of how much of a payout you can expect. Knowing this will allow you to budget your life accordingly and prepare for the payouts. In most cases, this payout will be a percentage of your regular salary, rather than the entire salary. Knowing that amount ahead of time will help you to manage your finances and get through this long term disability period.
With these tips in mind, don’t hesitate to hire a lawyer who can help you with this process. These tips will get you started and will put you in a better position to receive the disability payments that will be useful to you while you heal.