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Disability and Insurance Claims: Fair Compensation

Disability and Insurance Claims: Fair CompensationFollowing an accident, you could suffer from a temporary or permanent disability. Getting compensation for your disability, including your medical bills and present and future pain and suffering, involves determining your prognosis and the extent to which your disability affects your life.

 

Short-Term or Long-Term Disability?

 

A broken bone can leave you disabled for a few months. A spinal cord injury can leave you disabled for life. You need to know how long your doctor expects you to be disabled to seek fair compensation for your debilitating injury.

 

Other Factors to Consider

 

Once your doctor gives you a prognosis on whether or disability is short-term and expected to heal or permanent, you need to consider how your disability affects your life. A short-term disability might put you out of work for a month or two, meaning your damages could include lost wages. If you are unable to return to work ever because of a permanent disability, your damages should reflect your life-long needs, not just those of the present.

 

Why Your Lifestyle Matters

 

You may also recover compensation for your loss of functioning, ability to take care of yourself or your family, and your loss of enjoyment in life. If you are left paralyzed, and you have a family to take care of, your settlement should reflect your loss of capacity. Similarly, if you were a professional athlete and no longer able to play due to your disability, your settlement should reflect both loss of income and your inability to participate in your regular activities.

 

A Note of Caution

 

If you have been disabled in an accident and are seeking compensation, you should work closely with an Arlington Heights auto accident attorney. Cases involving disability can be complicated, especially if the disability is permanent. Your eligibility for Social Security Disability could affect your claim, as could any workers’ comp benefits you could receive. In short, many factors can affect your claim, so you should have skilled legal representation when filing your claim. An attorney can serve as your advocate so you can focus on recovery and treatment.

 

A disability can affect your life in many ways. If you have a disability, make sure your priority is taking care of yourself. Follow your doctor’s recommended treatment plan, stay healthy, and seek support from friends and family.

 

If you’ve recently been injured and need help with your insurance claim, Arlington Heights personal injury attorney Ronald F. Wittmeyer can help. With more than 30 years experience practicing plaintiffs’ personal injury law, we can fight aggressively on your behalf. Serving the Northwest suburbs including Arlington Heights, Buffalo Grove, Palatine, and surrounding areas, the Law Offices of R.F. Wittmeyer, Ltd. helps level the playing field against major insurance companies and corporations. If you’ve been injured or involved in an accident, call our office at (847) 357-0403 or fill out our online form to schedule a free consultation with one of our highly qualified Arlington Heights personal injury attorneys. The sooner we can learn about your case and your needs, the more effective we can be at recovering fair and adequate compensation for your losses.

 

Life-Altering Injuries: Seeking Compensation for Immobility

Life-Altering Injuries: Seeking Compensation for ImmobilityIf you suffered life-altering injuries in a car accident, you could be entitled to compensation for your damages. Damages can include medical bills, pain and suffering, and lost wages. When it comes to significant injuries that cause immobility, however, determining your damages can be complicated. Many factors can affect your settlement, and it’s important you receive fair compensation for all your losses. You should always work with a knowledgeable Illinois personal injury attorney if you have been seriously injured in an accident, but the following information can help prepare you for your first meeting.

 

The Significance of Immobility

 

If you’ve lost your mobility temporarily or permanently, your life will change. You could have ongoing medical costs, lose your ability to work, and taking care of your family may be impossible. It’s hard to imagine any settlement can truly compensate someone for immobility, but here are a few factors that can influence such a claim.

 

Is your immobility permanent? If so, your settlement needs to reflect your future medical bills and pain and suffering.

 

Have your reached maximum medical improvement (MMI)? MMI is an important criterion when doctors treat severe injuries. You’ve reached MMI if you have healed to the extent that you can, and your doctor does not expect your condition to improve. This can be considered a treatment plateau. If you are immobile because of a severe injury and your doctor believes further treatment will not heal or improve your condition, you may be ready to start settlement negotiations.

 

What was your life like before your injury? Were you active? Did your job require you to do physical labor? These details of your life can affect your settlement because they reflect your unique losses. No personal injury settlement is the same, due in part to these various factors. If your job involved physical labor, you might not be able to return to your line of work. If you need training or an education to find a new job, your settlement could include an amount for that.

 

Similarly, if you skied, hiked, competed in marathons or otherwise enjoyed a very active life, your compensation should reflect the significant losses you’ve suffered. Don’t discount these small details, even if the insurance company does.

 

Moving on With Help

 

Another significant factor is whether you need help to take care of yourself. If you are unable to take care of your daily needs, you may need a home health aide or to stay in an assisted living facility. Again, your settlement should reflect the cost of this care, which can be significant.

 

Handling a personal injury claim on your own can be overwhelming, even more so if you suffered serious injuries and are immobile. You should be focusing on treatment and figuring out what you need to help you adapt to your condition, not fighting for your right to fair compensation with insurance companies. Find an experienced Arlington Heights personal injury attorney who can be your advocate and handle your claim while you focus on what’s important.

 

If you’ve been seriously injured, Arlington Heights personal injury attorney Ronald F. Wittmeyer can help. With more than 30 years experience practicing plaintiffs’ personal injury law, we can fight aggressively on your behalf. Serving the Northwest suburbs including Arlington Heights, Buffalo Grove, Palatine, and surrounding areas, the Law Offices of R.F. Wittmeyer, Ltd. helps level the playing field against major insurance companies and corporations. If you’ve been injured or involved in an accident, call our office at (847) 357-0403 or fill out our online form to schedule a free consultation with one of our highly qualified Arlington Heights personal injury attorneys. The sooner we can learn about your case and your needs, the more effective we can be at recovering fair and adequate compensation for your losses.

About the Firm


Ronald F. Wittmeyer, Jr. practices plaintiffs' personal injury law at his office in Arlington Heights, Illinois.

About Ron

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