Contracting a sickness or injury that prevents you from working is the stuff of nightmares. For those who have a family to care for, it is a particular concern, as your income is your lifeline. We have all heard horror stories of parents being evicted with their children or having their homes repossessed, leaving them on the streets. However, what many people don’t realise is that there are often processes in place to protect people in such a situation. If you end up in the unfortunate position of not being able to work as a result of an illness or injury, then it is well-worth looking into whether you are eligible to make an insurance claim.
Income Protection Insurance
Many people do not realise that they may have insurance in place as a result of their work. Although you might not have taken an individual policy out yourself, many companies’ superannuation funds come complete with added insurance. As a result of this, many people who fall sick or contract an injury that prevents them from working are, in fact, eligible to make an income protection insurance claim. This may entitle them to receive disability benefits throughout the duration of their illness – often up to 75 per cent of their usual income is liable to be claimed. This can provide an essential helping hand for those who are put out of work due to an accident or unexpected health problem.
Making a Claim
Insurance companies are notoriously heartless, and this is no less the case when it comes to making a disability claim. They will often try to get away with offering you a low pay-out that is nowhere near representative of what you need to survive or what you deserve. This is why it can be incredibly helpful to have a lawyer on your side to fight your case and get you a fair deal. Many claimants back down as they are unsure of their rights, but a lawyer can stand your ground for you, backed by a broad knowledge of the law. If you win your case, you will be provided with monthly payments to help you get through the time in which you are unable to continue working. Both temporary and permanent injuries will be considered as valid reasons to claim, with the length of time payments are to be received reflective of this.
Who Is Eligible?
Whilst an injury or illness does not need to be sustained in the workplace in order for you to be eligible for benefits, there are likely to be a number of clauses for which you can’t claim in your contract. These are likely to include things like pre-existing conditions and deliberate attempts to harm yourself. A lawyer will be able to advise you on your likelihood of winning a case before you go ahead with your claim.
If you are suffering from a debilitating injury or illness, don’t suffer in silence! Contact a lawyer today and get to know your rights.