Long Term Disability Insurance and Paralysis

Long term disability insurance or LTD has a number of benefits. It is the only insurance that can give you piece of mind if you work in a very dangerous profession. There is actually a strong likelihood that you may be involved in an injury that will keep you from being able to perform the job you were trained for if you are exposed to possible dangers daily.

If you are injured and cannot work, no one will be there to help you. There are certain insurances that people think of as essential. These insurances include car insurance, health insurance and life insurance. But while these insurances are indeed essential, if you cannot work because of an injury and have no income, you will not even be able to pay for other insurances. This is why LTD insurance is valuable. LTD provides income reimbursement. But the amount of income reimbursement is unique to the type of injury. For instance, an injury that would allow you to still work in another field will not qualify you for as much income reimbursement as an injury such as paralysis.

Paralysis and your Job

Paralysis can happen while working in a variety of instances. These include:

o Falling or tripping-contractors and building maintenance professionals are among the many people that have to climb ladders or other types of equipment in order to reach certain areas they are expected to work on. Slipping from ladders or rooftops are common causes of paralysis, including quadriplegia.

o Car wrecks-truckers can face permanent paralysis when they are involved in serious wrecks. Truckers are often very fatigued and are at a greater risk on the road than other drivers.

o Large equipment accidents-large scale equipment used in industries such as farming or construction is constant threats to workers. Workers can be run over by equipment or severely maimed when it is not used properly.

How Paralysis can affect your LTD

If an individual suffers from a leg injury at work, he or she can still feasibly get another job that does not require constant standing or walking. Workers who suffer serious paralysis are not so lucky. Most of these people will not be able to work again. In these instances, they are capable of receiving a good deal more income reimbursement from their LTD insurance to compensate for their complete lack of work.

For more information on paralysis and LTD insurance, visit Indianapolis long term disability lawyers.