Permanent disability and temporary disability are often confused. Therefore, it is necessary to clarify the differences between the two. A temporary disability, as its name implies, is a situation in which an employee is unable to perform the activity on a regular basis. It is temporary, and so it has an expiration date and this is one year, extendable up to six months in specific cases. It is very common that during the first year for the period that the temporary disability lasts, the person can return to their normal activities. However, there is also the case of those who cannot.

The Difference

Temporary disability and permanent disability differ, mainly, by their duration. If, after all the time stipulated for the temporary leave the symptoms of the person do not remit, the permanent disability must necessarily be declared, which remains static over time and will prevent the person from carrying out their work normally for life. 

Collecting Disability Insurance

How do you collect the permanent disability insurance policy? The first thing to do is make sure that the insurance policy covers the event of permanent disability. There are many who contemplate it, but there are many others who do not. In addition, it is necessary to do the respective procedures, which must declare permanent disability through a resolution. Once this has been done, you have to go to the insurance company, giving them timely knowledge of the situation, providing the corresponding evidence, and requesting a claim for compensation. It is necessary to take into account that there are actions with an expiration date, in the case of these insurance claims.

Objection From Insurance Companies

Most likely, the insurance company will try to delay or simply invalidate the payment of said compensation, and to do so they can use different schemes. For example, even with a resolution confirming the permanent disability situation, they can request additional medical tests. Therefore, it is pertinent to have a previous compilation of all the medical examinations that have been carried out before the declaration of permanent disability. This is important because these will give firmness to the requirement and will be evidence that the disability is not a situation that existed prior to the acquisition of the insurance policy.

It may also be the case that the insurance company directly refuses to pay the compensation using different arguments. In this case, it will be necessary to make a claim. On what basis do insurance companies refuse to pay compensation? When you take out the insurance policy there is a commitment on both sides. In the first instance, the policyholder undertakes to provide accurate information regarding his medical status, using good faith because insurance companies rarely perform prior medical examinations to find out the status of those who take out the insurance.

Conclusion

It is necessary to do a thorough review of the contract with the insurance company, of the particular situation of the person suffering from the disability and gather all the possible and necessary evidence so that it can be demonstrated with facts that the claim is legitimate and that the insurance company must answer. Whether it is a permanent or temporary disability, http://jlinsuranceagency.com/ can help you.

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