Enduring a physical disability can be devastating for anyone. You may no longer be able to earn an income. You might find yourself with debt burdens due to medical bills and additional care needs. There are so many challenges for those that endure physical disabilities. With that said, many disabled individuals find themselves in even more challenging situations when social security benefits are denied, and disability insurance claims are rejected.
Fortunately, suppose you are among the large number of individuals facing disability claim rejections. In that case, it will be in your best interests to consult a disability lawyer to ensure you can receive your benefits and any policy payouts that are entitled to you.
On the other hand, if you are wondering whether you need disability insurance, these leading causes of physical disability stress the importance of such policies. Because these causes cannot be predicted, it is wise to purchase a policy that will provide you with some form of financial relief in the unfortunate situation that you are diagnosed with a physical disability.
Road Accidents
Road accidents are a leading cause of disability around the globe. Because road accidents involving various kinds of vehicles can result in traumatic brain injuries, spinal cord injuries, and other severe injuries, victims of road accidents often endure the unfortunate impact of disability. In some cases, road accidents victims are left temporarily injured due to their injuries, although, in more severe cases, lifelong disabilities are the result of road collisions. There are also several leading causes of road accidents: speeding, driving under the influence of alcohol, fatigued driving, and distracted driving is among the leading causes.
Health Conditions
Health conditions are another leading cause of physical disabilities. Numerous health conditions can develop into physical disabilities at various paces. Arthritis, multiple kinds of cancer, heart disease, and diabetes are among the lengthy list of health conditions that can develop into physical disabilities that leave an individual unable to earn an income.
Accidental Injuries
Accidental injuries apply to various kinds of injuries that range from slips and falls to work-related accidents and everything in between. Accidental injuries range in severity, and in the most severe cases, victims are left permanently disabled. However, unintentional injuries are often also fatal. Unfortunately, there is genuinely no way to predict or avoid accidental injuries, so disability insurance is essential for all working professionals.
There are various other causes of disabilities. And the only sure way to plan for financial protection in such unfortunate situations is to purchase insurance coverage to protect your financial wellbeing. There are numerous types of disability insurance policies out there, with long and short-term disability policies being the main two. However, every insurer provides different benefits, and for this reason, it is crucial to compare your options and determine how much coverage you will need. In addition to this, even when claiming from an insurer, it is wise to rely on legal representation to ensure your claim is approved and you are paid out the highest possible amount for your experience.
