Long-term disability benefits are critical for police officers who face health issues in their line of work. Therefore, it is imperative to understand how they work and how they can be attained.
Being a police officer comes with its own set of hardships and stress, including exposure to traumatic incidents, erratic hours, and high-pressure situations.
There is often an ongoing need for support and mental health resources, making it essential for officers to be informed about their rights and available benefits.
Understanding Total Disability for Officers
Evaluating a long-term disability often depends on an officer being deemed “totally disabled”, which can result from both physical and psychological health issues.
At first, when the police officer applies for long-term disability benefits, the assessment focuses on their ability to perform their specific job duties. If the police officer cannot fulfill their job duties due to a medical condition, then the officer will likely qualify for benefits.
Insurance companies are responsible for assessing ongoing eligibility through various methods, including medical evaluations.
Application Process for Long-Term Disability Benefits
When applying for long-term disability benefits, the first step police officers should do is verify their coverage through their employer’s group medical plan.
When ready to apply, they then must complete various forms, including a notice of claim and a medical report.
The application is then submitted, and the officers may be required to attend an interview with an insurance representative.
If the claim is denied, the officer may have two ways to adjudicate the denial.
- Appeal the decision: There may be an internal avenue to review a denial.
- Legal action against the insurance company for wrongful denial.
Conclusion
Long-term disability benefits are critical to support police officers facing the physical and mental health challenges involved in their occupation. Understanding the complexities of long-term disability benefits will aid officers in navigating their options, and promote a healthier, resilient workforce in the long run.
If you have been involved in an incident causing you injury, it's always best to consult a professional lawyer who has experience arguing these types of claims to protect your interests. Please contact our team at JEWELL RADIMISIS JORGE LL.P for a free initial consultation at 1 (855) DIAL JRJ.