We do not handle Social Security Disability (SSDI) claims.

Should insurance cover the loss of a limb?

McDermott Law, LLC

In many industries, the loss of a limb through an accidental amputation could mean that an individual will never be able to work in their career again. They may have had a physical job that they cannot do after the fact, but it doesn’t even have to be that physical to be severely impacted by an amputation. The loss of limbs could mean that someone struggles with even basic mobility issues or they may not even be able to work in an office setting.

In other words, an accident that leads to this type of injury may not be fatal, but it can essentially have the same impact on someone’s earnings. They’re no longer going to be able to bring in an income, and life is changed forever. This is why people often have Accidental Death and Dismemberment Insurance (AD&D). It provides them some benefits if they should encounter a situation where they suffer severe injuries. It can also help the family if that person is accidentally killed in the incident.

Providing medical evidence

Many people are often worried that their claims are going to be denied, so it’s important to point out how beneficial medical evidence can be. Even in a situation where it seems like the impact on your life is very obvious, such as when you have undergone an amputation, you still need to have an official diagnosis from a medical professional. All of the documentation backing up your condition and the way that it is going to impact your ability to work will prove quite important.

What if the insurance company still won’t cover it?

Unfortunately, there are situations where someone goes through a traumatic event like this and the insurance company then refuses to cover the claim. The person may feel that they were deceived when they bought the policy, thinking that they would be fully covered and only finding out after the fact that they were not. They may also believe that the insurance company is acting in bad faith and simply refusing to pay out a claim that they obviously need to pay.

If you find yourself in a situation like this, it can be quite frustrating on numerous levels. Make sure that you take the time to learn about all of the legal options you have and channel that frustration into fighting for what you deserve.

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