How To Know Whether Or Not You Qualify For Disability Benefits

Before a sick or injured employee asks an employer about obtaining disability benefits, he or she should check to see if the acquired medical problem qualifies as a disability, one for which employees can receive long term disability benefits.

Questions that touch on the basic qualifications:

Were you employed when you became sick or injured? Most employers will not honor a request for disability payments until the requesting employee has worked for that same employer for at least 3 months.

Are you severely disabled? Does your disability keep you from working?

Are you unable to do now whatever task you used to perform, while on-the-job? Does your illness or disability keep you from working?

Other questions that might need to be answered after the passing of 2 years.

If a candidate for disability benefits can give an affirmative answer to the questions about the basic qualifications, then that same man or woman should expect coverage for at least 2 years. Following the passing of 2 years, the insurance company normally seeks answers to a different set of questions.

Can you do other jobs that match with your education and skills? The insurance company cannot ask someone that has been receiving benefits to accept money for completion of a dull and boring job. Still, after the passing of 2 years, the insurance company can deny further benefits, if the employee/policy holder has recovered to the point where he or she can complete other tasks in a job that demands the utilization of certain skills.

Each required skillset should be comparable to the skillset being used in the employer’s existing job. In addition, that skillset ought to match with the skill level demanded of those with an educational experience that matches the education of the disabled or ill employee, as per Personal Injury Lawyer in Oakville.

Does the candidate for renewal of disability benefits have transferable skills? Could he or she take such skills to another position? The first question may be easier to answer than the second. Years spent as a member of the workforce normally allow an employee to acquire a variety of skills.

Still, that same employee may develop a medical problem that restricts his or her activities. For instance, someone that relies on the implanted device known as a ventricular shunt cannot keep repeating any task that calls for a lowering of the head.

In addition, the same sort of employee needs to restrict the number of times that he or she climbs the stairs each day. Too much climbing can cause a loss of balance. Obviously, a worker that has lost his or her sense of balance could fall down on the job, regardless of the nature of the same worker’s newly-assigned position.

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