Getting the right accident insurance in place can be a tricky procedure.  The insurance company will ask you dozens of questions to establish the likelihood of you have a life changing accident at work; they will then base your premium on your age, experience and the type of work you do.  The best policy can involve a large monthly payment, but this will seem like a small price to pay for your peace of mind.  After all, once the insurance company has provided coverage they will look after your needs if you do have an accident and need to make a long term disability claim.

Insurance is a Business

Unfortunately, insurance firms are just like any other kind of business; they are looking to make a profit.  The best way to achieve this is to collect as many premiums as possible and pay out as few claims as possible.

In fact, many people will not claim for what they perceive to be relatively small incidents and disabilities.  This is due to either high excess’s on their policy or through a fear of the value of the contributions to the policy increasing.  Instead of seeking the financial support they are entitled to, these people will do as much as they can with their current resources and have a lower quality of life.

Make the Claim

If you have been unfortunate enough to have an accident and are suffering from long term disability then you should seek the advice of a recognized local law firm.  Companies such as have years of experience in dealing with insurance firms and establishing the best possible compensation package.

There are several points when you realize that you will need to make a claim in a timely manner:

  • As soon as you have been signed off from work, or are told you are no longer able to complete your existing job, and that this is likely to be for a significant period of time.

  • Once you have received a life changing injury or even illness, you will need to contact your insurance company.

  • The moment you realize that your accident or illness will affect you financially for the long term, if not forever.

Making a long term disability claim is a complicated matter; your insurance company may drag their feet or even suggest that your disability is partial and you are still able to work.  The most important steps to take, following an accident which will have life changing effects, whether short or long term are:

  • Check your policy documents as to the correct way to enter a claim and what they actually cover

  • Contact your insurance company to advise them of the issue and register a claim

  • Provide the information they ask and follow up regularly

  • Speak to a long term disability claims specialist for advice on what you can expect and how they may be able to help. If you have not received a response to your claim or to your latest contact within ninety days, then you can instruct your lawyers to start court action.  Simply having a reputable law firm in your corner is often enough to get your insurance company to make a payout.