When you spend years paying the premiums for your disability insurance, it's natural to expect your provider to pay out when you submit a claim. Unfortunately, insurance companies are notorious for putting profits over people and will often look for ways to deny claims rather than pay policyholders their benefits. Here are two ways this can happen with a disability claim and what you can do about it.
Claim You're Addicted to Your Meds
If you need social security disability, you shouldn't wait around to start exploring your options. One of the worst things a person can do is to wait until they find themselves in a desperate process to initiate their application for benefits. The reason fast action is so important is that the benefit approval process is often quite long and complicated. If you're not familiar with the process, learn what could be ahead so that you can understand the importance of starting your journey sooner rather than later.
If you are injured at work, you may be wondering whether to file a personal injury or workers' compensation claim. In some cases, you may not have an option because the circumstances of your injury will dictate the direction to take. If you do have an option, however, here are some of the benefits of filing a workers' compensation claim.
You Don't Have To Worry About Liability
One of the best things about workers' compensation insurance is that you can get it regardless of who was at fault for the accident.
Unfortunately, slumlords operate in nearly every town and city in America, and if you happen to rent an apartment from one, life can become miserable. Beyond the leaking faucet that never gets fixed and the ugly, peeling wallpaper, your landlord is directly responsible for your safety in a number of ways.
Conditions Of The Property
If the place is literally falling down around you and these conditions cause you injury or suffering, you may very well be able to take your landlord to court.
Being in the financial position to buy a car after your only other one breaks down can prevent a substantial amount of stress. However, you can land in a stressful situation if the replacement vehicle turns out to be in an unstable condition. Sometimes dealers sell customers vehicles that are knowingly in bad shape, but they choose not to disclose the problems in an attempt to make a sale. There are laws in place that protect consumers from having to suffer a financial loss after going through such a situation with a dealer.