The aftermath of a car crash can be overwhelming, often leaving individuals with serious injuries that disrupt their lives. For those living in Indiana, understanding how long-term disability comes into play following a severe car accident is important. Long-term disability can provide financial assistance when someone is unable to return to work due to their injuries.
Here are some factors that can help individuals determine if they should consider applying for long-term disability.
Severity of the injury
Injuries that prevent individuals from working or performing daily activities may warrant long-term disability. Common car accident injuries that could require such coverage include traumatic brain injuries, spinal cord injuries or any injury resulting in permanent disability.
A long recovery period can strain personal finances, especially if it involves costly medical treatments and rehabilitation. Long-term disability can provide a portion of the injured person’s income during this time, easing financial stress.
The financial impact of a severe car crash extends beyond medical bills. It can include lost wages due to the inability to work, the cost of ongoing care and adjustments to accommodate the injury, like home modifications.
There are several options for long-term disability coverage. Some employers offer it as a benefit, or individuals can purchase it independently. It is essential to review the coverage details, including the duration of benefits, waiting period and any coverage exclusions.
Medical and financial advice
Medical professionals can provide an estimated recovery timeline and potential long-term effects of the injury. Financial advisors can offer guidance on managing costs and understanding insurance options.
The primary goal following a car crash is recovery and regaining normalcy in life, and long-term disability can play a significant role in this process.