Disability Lawyer Blog

RGIII injury a reminder of need for athlete disability insurance

Sports fans know that the physical abilities of professional athletes can seem superhuman, but the truth is that athletes who perform at the highest levels are still human beings with a high risk of suffering a disabling injury. With careers and family futures at stake, more and more athletes are taking out disability insurance to protect themselves and their families.

Nowhere is the need for athlete disability insurance more apparent than in the National Football League. A case in point is the recent devastating injury of the Washington Redskins' quarterback Robert Griffin III. Fans know him as RGIII, and many of the people who were at the recent game with the Seattle Seahawks were in tears when they saw what happened to Griffin's knee.

Could bullying lead to mental disability among workers?

Bullying brings to mind the picture of girls picking on each other in the schoolyard. Or even a more current idea of bullying would be teenagers virtually picking on each other through Facebook. A new study places bullying in sort of the adult version of a schoolyard: the workplace.

Researchers in Finland studied several thousand workers and evaluated whether any felt that they were bullied at work. The study also looked at the rate of mental health disorders such as depression and anxiety. It also identified whether workers claimed they suffered from insomnia.

Who is responsible for the disabled during natural disasters?

For California residents with physical and mental disabilities, simply navigating everyday life can be a huge, difficult challenge. So what happens during a natural disaster that comes on suddenly and leaves mass damage in its wake? How can people with disabilities survive such situations and the long recovery period that comes after?

That question is being asked in the wake of Hurricane Sandy, the super storm that caused fires, flooding, a loss of electricity and a loss of life in New York and many of its boroughs earlier this year. While the eyes of the nation have been on the victims of the hurricane that lost their homes and belongings, there has been relatively little attention paid to the plight of the disabled and the difficulties they encountered in simply trying to survive the storm. And now, people with disabilities and their family, friends and caregivers are asking whether more should and could be done to help them get through natural disasters and their aftermath.

Parents of disabled may have more need for disability insurance

Parents love their kids, no matter what. Still, certain circumstances can make parenting extremely stressful. High levels of stress do not make for less love. Stress might, however, mean that parents of disabled kids particularly should consider buying disability insurance.

A recent study reveals that the stresses experienced by disabled kids' parents have measurable health effects. Researchers studied the blood pressure of parents with and without special needs children, and though the results were not altogether shocking, they more solidly identify potential health risks for families with disabled kids.

Court rules that 9/11 disability claims were wrongfully denied

Even more than a decade after the attack on the World Trade Center many people still live with the pain of what happened. Lives were lost on that day, but they were also lost or compromised in long-term aspects.

A couple of officers who worked at Ground Zero after the attack, as well as a widow of an officer, are finding some closure following their denied disability claims that they filed related to 9/11. After their claims to receive benefits for accidental disability were initially denied, an appeals court recently ruled in favor of the plaintiffs'.

Does stigma of mental health problems keep some from help?

For someone to admit that they have a disease such as cancer or Parkinson's, it is perhaps emotionally difficult. Still, reporting those health problems comes with less negative stigma attached to it than what comes with someone saying, "I suffer from depression."

Mental health disorders are common; yet many who suffer from some sort of mental illness are not apt to admit it or get treatment for it. For some, it might be a cost issue. For some, however, what people might think likely stops them from addressing the serious health problem.

Insurance cost: The downside of women living longer

There are a couple of things that women have over men. They are better drivers and they tend to live longer. While the driving part may not be true, research does reflect that women on average outlive men. That's basically good news for women, right?

Well, it certainly is good news that women will get to see their families grow in their old age and enjoy a long life. But with regards to insurance costs, a long life expectancy means a high long-term life insurance bill.

Getting older is no excuse to neglect getting disability insurance

People are working into an older age these days. That awaited retirement at the age of 65 is now basically just a memory. Most can't afford to stop working at that point. This recession-related reality brings to light a disability insurance matter: older workers need to protect their futures with disability insurance plans, too.

Maybe someone is in their fifties and starting a new job, for example. Companies often offer a benefit option of paying into a pot for disability insurance. (Not all will provide this.) Should the relatively older worker elect to pay into a disability insurance plan? Is it worth it?

Disabled veterans frustrated by long wait for benefits

Service men and women are increasingly disabled during our modern wars, rather than suffering fatal injuries. Our armed services have better body armor and better medical care in the field so injuries which once would have been fatal, are no longer. The downside of the increase in injury survivability is that more veterans are coming home to California with either temporary or permanent disability.

Contrary to popular belief, many people have a patchwork of disability coverage rather than a one-size-fits-all plan. People can be covered under an employer's plan, state workers' compensation and a private disability insurance plan all at the same time. Veterans can also be covered by the Veteran's Administration.

New data shows the value, complexity of disability insurance

In a recent post on our blog, we made a note of data that outlined a problematic trend: fewer and fewer young adults are safeguarding their futures with disability insurance policies. Various factors, ranging from costs to changing styles of work for young professionals have attributed to a lessened interest in what could later prove to be a lifesaver.

However, additional new information only underlines the importance of finding the right disability insurance policy at any age. Although Californian industries have become more service and information-driven and thus less likely to cause physical injury to workers while on the job, the Social Security Administration has reported that "a 20-year-old in 2011 had a 30 percent chance of being disabled for at least six months before retirement."

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