It can be the result of a sudden onset of serious health problems or the erosion of fitness over an extended period. Regardless of how it comes about, long-term disability is a condition millions of Americans deal with every day.
Because November is long-term care awareness month, we are going to devote today's Milwaukee employment law blog post to the topic. We will take a look at some statistics about long-term care and briefly discuss matters related to long-term disability as well.
Insurance companies are only too glad to make potential customers aware of November's import. After all, they want to sell you long-term disability insurance that they say will pay for long-term care you might one day need.
All of that is well and good, of course, as long as the insurer pays the claim. When a disability claim is denied, many people will turn to an experienced Wisconsin employment law attorney.
For many people requiring long-term care, their caregivers are their lifelines. Forty-five million Americans are daily serving as informal caregivers; typically to family members they love.
- 78 percent of home care is delivered by family members and friends
- A caregiver typically spends 21 hours per week giving care
- Forty-one percent of caregivers say they have had to take leaves of absence from work
- Twenty-nine percent of caregivers report using their own savings to help provide care
As we can see, it's a financial burden to give care or need care. That is why long-term disability claims are so important.
When an insurer denies a claim, talk to an attorney experienced in defending clients' rights and interests in negotiations and litigation.