When injured or ill and unable to work, it is often confusing and overwhelming to navigate the process of filing a claim and ensuring that you are covered for the entire duration of your recovery period.
Extended recovery time for serious injuries or illnesses may warrant Social Security disability insurance (SSDI) claims. In Rhode Island, there are other insurance programs that cover lost wages and medical expenses, and it’s important to understand your rights in regard to them.
Rhode Island’s Temporary Disability Insurance (TDI) is available to workers who were injured outside of the work place, or become ill and are unable to work as a result of the workplace. This insurance is entirely paid through payroll deductions collected and submitted by employers, and covers lost wages for up to 30 weeks.
You may be eligible to collect TDI any time you are medically certified as unable to perform your job duties.
What to Do if 30 Weeks isn’t Enough Recovery Time
If your injury or illness will extend beyond the 30 week timeframe for TDI and for at least one year, you may file a claim for SSDI benefits to sustain you until you are able to return to work, or to provide for you and your family if it is determined that you are indefinitely unable to resume employment. You may begin receiving SSDI benefits after only five months of missed work.
Timely filing of your claim is imperative to ensure that your income insurance doesn’t lapse because the SSDI application is a lengthy and complicated process. SSDI happens after you have collected your maximum 30 weeks of TDI.
Steps to Take to Ensure You’re Covered
If you believe your injury or illness will extend beyond Rhode Island’s TDI program guidelines, act quickly.
Take the following steps to be sure you are covered for the entire time that you need assistance:
- Talk with your doctors and specialists and ask them to help you determine whether you will be unable to work for more than 30 weeks or over one year. Having a clear picture of your prognosis is key to determining the best course of action for your case.
- Be sure to keep all medical documentation and invoices you receive from the very first doctor or hospital visit. Create a file. Provide this documentation to your attorney and have it readily available in the event you need it for SSDI requirements.
- Contact a law firm who specializes in SSDI benefits and have them review your case. Working with an attorney can make sure your case will be handled properly and you won’t miss any important filing deadlines. A qualified disability attorney will know when you should file, will be prepared to handle any rejections and appeals, and will guide you through the complex and time-consuming process so you can concentrate on your recovery.
Hire an Attorney at Rob Levine & Associates
If you need help filing disability claims, seek consultation with an attorney. Rob Levine & Associates can help you navigate the disability process. Call us today at 866-LAW-SSDI to schedule your consultation with an attorney.