Some injuries will leave you unable to work, if that is the case, you should contact a NDIS consultant to help you navigate the process. These injuries can occur at any point, and some of them are eligible for disability insurance. This is insurance money that you are given to cover your cost of living while you’re unable to work. Not all injuries, though, are eligible for disability insurance. So you need to know which ones are before you claim with your carrier. Below are some of the common injuries that warrant disability insurance.
Fractured Bones
When it comes to employment or most forms of work, fractured bones can be debilitating. You may be unable to do most work, and even getting back to work after the surgery can be a challenge. While you recover from the fracture, you are eligible for disability benefits. These can be fractures to your nose, arm, leg, or any part of the body that may have been fractured. If the fracture leaves you unable to walk or perform various tasks, you have a strong case.
Severe Burns
Burns can also occur at any point in life, and you are eligible for disability benefits when they happen. The burns, however, need to be severe for you to qualify for disability insurance. These burns take a lot longer to heal, and they’ll leave you unable to perform duties. When you have burns suffered from a car accident – where the car exploded, you are eligible for disability benefits.
PTSD or Anxiety
Most injuries will leave you with PTSD, as you may spend a lot of time dreaming and thinking about how it happened. It will run over and over in your mind until you can’t function. While you get the necessary treatment for it, you are eligible for benefits. You can’t, however, diagnose yourself with PTSD. To qualify for the benefits, you will have to be undergoing treatment. This should be something that your therapist confirms you are suffering from.
Traumatic Brain Injury
When you have an accident, you may bang your head against the steering. This may cause atraumatic brain injury that may take time to heal. Before you get back to work after a brain injury, it will take time and treatment. As a result, your decision-making may be impaired, and you may not be able to get back to work in a while. While this is the case, you will be eligible for disability insurance.
Back Injuries
The last injury on this list that will leave you eligible for disability benefits is a back injury. And back injuries can happen anywhere, for example, lifting heavy objects, road accidents, and so on. When this happens, it may leave you unable to go back to work for a while or impossible ever to go back to work. However, you are eligible as the injury may affect your other limbs too.
Not All Injuries Are The Same
Not all injuries are eligible for disability benefits. And you’ll need a doctor’s report to verify that, indeed, the damage is as severe as you say it is. However, these are just some of the injuries that are eligible for disability cover.
