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What options are available for long-term care?

After a severe injury at your Detroit job, you may find that you need long-term care. Your financial obligations do not go away simply because you are not working; however, there are options that allow you to have money so that you can still manage financially. These include Social Security Disability and private insurance.

Some injuries may let you qualify for Social Security Disability benefits. According to InvestorGuide.com, simply having an injury does not mean that you will automatically be granted compensation. You usually need to prove that your injury has kept you from all types of work for at least a year. Additionally, your work history is typically taken into account. Because you are not always guaranteed to get this coverage, it is a good idea to look into private disability insurance, as well.

You may be able to receive disability insurance from your workplace. This ensures that lost wages will not affect your finances quite so severely. If you need long-term care, a long-term policy is usually your best option. This typically covers more of your salary over a longer period of time. With additional insurance which you purchase yourself, ideally before an accident occurs, you may be able to receive up to 80 percent of your salary.

When you consider your options for long-term care, it is important to consider what will be best for you. You may find that you need to invest in more disability insurance than your employer offers. Additionally, it is good to know whether or not you qualify for a private policy. Social Security Disability usually is available if private insurance is not an option.

The information in this article is meant to inform and should not be considered legal advice.

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