Although many Americans have been and will be affected by COVID-19, there is an available resource: long-term disability insurance. Long-term disability benefits are intended to replace your earned income for an extended period of time. While short-term disability benefits may expire after six months, long term disability benefits often last until retirement age (i.e., age 65 or older) or until you have sufficiently recovered so that you can return to work. The assumption of long-term disability coverage is that the long-term disability at-issue will not necessarily be fully resolved. If you do recover within a limited timeframe, then short-term disability benefits can assist during that time.
For example, if you contract COVID-19 in Houston or elsewhere, you may qualify for short and/or long-term disability insurance coverage. Insurers may attempt to lower their payouts by arguing that your health condition is such that you are only partially disabled, not fully disabled. If you are capable of working a lower-paying job, then the insurer will assert that you should work in the alternative position and they will pay out lower benefits or no benefits as a result. Some insurers may even argue that you are fully capable of working your job from home and thus are not disabled at all. With the aid of a skilled Houston long term disability lawyer, however, you can demonstrate that you are not able to work in your own occupation and are still qualified to receive full benefits.
According to the Center for Disease Control, Coronavirus (COVID-19) is a family of viruses that is spreadable from person to person. Coronavirus is believed to have been first detected in a seafood market in Wuhan, China in December 2019. If someone is sick with Coronavirus, the symptoms they may show include mild to severe respiratory illness, cough, and difficulty breathing.
Although there is not yet a vaccine, the CDC suggests the following precautions, along with any other respiratory illness:
- Avoid close contact with people who are sick.
- Avoid touching your eyes, nose, and mouth.
- Stay home when you are sick.
- Cover your cough or sneeze with a tissue, then throw the tissue in the trash.
- Clean and disinfect frequently touched objects and surfaces using a regular household cleaning spray or wipe.
- Wash your hands with soap and water for a minimum of 20 seconds.
We encourage you to follow all government recommendations to practice social distancing, limit contact with others, and ensure that the elderly and immune compromised in our society are not exposed to Coronavirus. If we can ever be of assistance with your disability claim, please contact us. We are all in this together.