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Paying the Bills: Health Insurance, Disability Pay, and Attorneys Garry Prowe, Brain Injury Success Books Page 8 of 8

  • Short-term disability benefits
  • Long-term disability benefits
  • Leave sharing
  • Social Security Disability Income
  • Supplemental Security Income
  • Workers’ Compensation

___ Have you started the very long process of applying for Social Security Disability Income benefits? It’s not too early to begin.

___ Do you know how to appeal your survivor’s case for Social Security Disability Income if her application is denied? Most initial applications involving brain injury are rejected.

___ Are your survivor’s income and financial assets low enough for her to qualify for Supplemental Security Income?

___ If your survivor was injured on the job, are you aware of the benefits she qualifies for under Workers’ Compensation health and disability insurance?

___ If your survivor is a child under the age of 18, are you aware that she may be eligible for certain benefits?

___ Have you considered hiring an attorney? There are many reasons to do so.

___ Is it possible your survivor may need to stay in a skilled nursing facility until she’s ready for rehabilitation? If so, have you begun researching the local nursing homes?

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From Sucessfully Surviving a Brain Injury: A Family Guidebook by Garry Prowe, Brain Injury Success Books, © 2010 Garry Prowe. Used with permission. www.BrainInjurySuccess.org. You can contact Garry at info@braininjurysuccess.org.

 Comments [2]

I was hit by a car before US Navy service in Dec. 1999 and never recieved proper care due to "No-Fault" papers. I was forced into a trauma center mental health ward or two months back in 2002 which never gave me an income. I finally had to contact the Navy in 2008 referring me to a Vet Center. Now they are bullying me around because I am not originally from VT. I should be able to sue someone. Why did this kid never even lose his license and I have permanent brain damage? They closed the stupid hospital down because they were incompetant (Mary McClellan/Dr. Pitt).

Jan 27th, 2012 5:33pm

This book has been the most helpful to me since my husband\\\'s injury in June, 2011. One issue we are facing that is quite disturbing is in the area of underinsured motorist coverage. The girl who hit my husband was not insured and the owner of the car had limited liability insurance ($15,000). This is where UIM coverage is supposed to help. However, some medical insurance companies have the right to subrogate against UIM coverage and ours is one of them. We are in a situation of having to fight for money we paid premiums for - against an insurance company we paid premiums to. It is mind-boggling. I think this book cautions that a TBI can bankrupt some families - when I read that just a couple of weeks post-injury, I thought, \\\"Well, that won\\\'t be us - we\\\'ve planned for such a time as this.\\\" Guess what? This incident just may bankrupt us, and all because the insurance industry has a strong lobby in Washington. We need that UIM coverage to get my husband the rehabilitation that he needs and yet we may never see a dime of it. Check your policies and make sure this disaster doesn\\\'t happen to you.

Jan 9th, 2012 6:58pm

 

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