While a car accident itself may not be a reason to file a disability claim, many disability claims result from injuries sustained in a crash or other type of accident. While you may not qualify for Social Security Disability Insurance if the injuries don’t totally incapacitate you for more than 12 months, many individual and group long term disability policies cover the inability to work due to these incidents as well as almost all short term disability policies. From back problems to broken bones to “whiplash,” there are many different types of injuries that can result from even seemingly minor vehicle accidents, including some that may not become apparent for an extended period of time. Today’s blog post is going to review some of the different types of injuries that may result from these accidents and how to obtain the disability benefits you deserve while recovering from these injuries. Continue reading
Every once in a while, we like to feature a story from one of our clients about their personal experiences with the disability claim process. Today’s story is an especially touching one. We spent a lot of time with working with Robert and his wife, and he ended up getting the disability benefits he deserved. The nature of his disability and the circumstances of his claim presented some unique hurdles that we had to work together to overcome, but we were able to provide the level of service he needed to satisfy the demands of his claims examiner and move on with his life. Here’s his story, in his own words:
My consultant, Fred Gosman, really helped with my disability claim! After I suffered a broken ankle, I found myself no longer able to work when the injury took a turn for the worse and turned into Reflex Sympathetic Dystrophy and Complex Regional Pain Syndrome. This is when I decided to file for disability benefits. Being an insurance agent, I thought I’d be able to easily complete the claim forms. But after attempting it alone, I realized the enormity of my situation and decided to find help.
I hired a claim consultant who promised lots of help, but instead she became abrasive and overbearing, angering my doctors and not helping my claim. I had to quickly terminate that relationship and start over. Once I found Royal Claims Advocates, my experience completely changed. Fred helped me and my wife from the beginning, making sure I understood what was needed and helping gather all of the information. He helped make sure my claim forms reflected my situation and worked with my doctors (They loved him!) to ensure they understood what was needed by Reassure America for my claim.
He has helped make sure Reassure America was treating me fairly. They asked for lots of records that didn’t apply to me or my claim, but he helped us correct their misunderstandings and provide the information they really needed.
I’ve struggled through some rough parts of my disability, and Fred was flexible when I needed it. Everything he’s done helped us move closer to filing my claim with support and documentation. His knowledge of disability insurance and claims helped my claim go smoothly.
Once we submitted my claim, my benefits were approved and paid within weeks, far quicker than I imagined. Fred and his team at Royal Claims stayed with me to support and guide us through this challenging time. Their help really has been invaluable to me and my wife. As a former insurance agent, I appreciate the depth of their knowledge and the quality of their work. It’s allowed me to focus on my recovery instead of fighting the insurance company for my benefits!
– Robert S., Philadelphia, Pennsylvania
Thank you Robert for your kind words! Stories like these are the purpose we created our firm and the reason we fight so hard to ensure our clients get the disability benefits they deserve.
We’ve helped many others receive their benefits as well. If you or someone you know is in need of help on their disability claim, please contact us. You may call us toll-free at (855) 828-4100 or visit our website to sign up for a free consultation.