The Task of a Long-Term Disability Lawyer
The term “permanent disability” can be defined differently depending on who is making the definition and why. The term may be used when an individual claims permanent disability due to a defined illness or when a person has injured themselves, either accidentally or on purpose. The term is most often used to apply for and receive benefits such as disability insurance payments from a private or government insurer. It becomes difficult to arrive at a definition of the concept of permanent disability, as applicants and insurers have different ideas on what constitutes disability in the first place. This is but one of the reasons why people employ disability claim lawyers to assist them in their claim.
The implication of the term means that a person will never recover or be able to work again at his or her previous level. In some cases the insurer demands proof that the condition has already been in existence for some time and that it is likely to remain for the indefinite future. Even when the disability is not permanent, it may still be established by skillful disability claim lawyers that the disability will last for a sufficiently long time so that the economic circumstances of the disabled claimant are deeply impacted.
There are cases where it is obvious that a person suffers permanent disability such as the loss of a major limb. Many insurers have published data in the form of tables that can be used to compute the exact amount of money the person is entitled to in the form of compensation for losing limbs, fingers, toes, etc. In situations like this it does not necessarily mean that the person’s job is impacted by the loss, as the body part simply is not recoverable.
It becomes considerably more complicated to prove other disabilities said to be permanent in nature. Many mental disorders fall into this abyss as well as chronic illness. It is of paramount importance that any application for Social Security Disability benefits or private insurance benefits be supported with almost irrefutable evidence that supports the claim.
Another consideration must be taken into account: that some “permanent” disabilities may be eventually overcome. In cases like this the recipient must be aware that their benefit support could be terminated. In the event this does happen many insurers have programs set up to help the individual make the transition from disabled to self-supporting.