Many insurance companies could either avoid working with people suffering from spinal cord injuries or may adjust their policies to be cost-prohibitive for obtaining such policies. Any company could decide either way on providing a plan with competitive pricing. Individuals are recommended to contact a lawyer when seeking long-term compensation for Charleston spinal cord injuries. It could help to have the assistance of a compassionate spinal cord injury attorney and other professionals when trying to obtain any type of medical, disability, or life insurance policies if such an injury has occurred.
Obtaining Long-Term Life Insurance Plans
Any time an individual has an injury to a body part, insurance companies may wish to exclude that body part from being a part of life insurance or health insurance. However, the Affordable Care Act requires insurers to take people with a pre-existing condition for medical care and treatment. This could be an important and positive piece of law for anyone who has been injured or has a previous condition that needs treatment and needs a way to pay for that treatment.
In certain cases, life insurance companies may not wish to write a long-term life insurance policy for someone who has suffered a catastrophic injury. Companies may also adjust the rate to such a high rate that it is cost-prohibitive in obtaining a long-term life insurance policy. An individual could get around this by putting some of that the settlement money from the accident claim into an annuity that may provide guaranteed income to the injured party going forward. This could help the person ensure that their needs are taken care of during their life. Also, whatever funds remain could be transferred over to their family members, heirs, and beneficiaries after they pass away. For more information about obtaining a long-term compensation for Charleston spinal cord injuries, contact a knowledgeable attorney today.
Potential Long-Term Treatment Options
The long-term treatment options in extreme situations could be 24/7 home health care. If someone has lost the ability to breathe because of their spinal cord injury or if they are unable to use their arms or their legs, this could require someone on a 24-hour home health care rotation to take care of simple tasks. This could include feeding the injured party, bathing them, or exercising them so their muscles do not atrophy and whittle away. The long-term care of this type of case could be in the millions of dollars since care could include treatment from the doctors, follow up appointments, home therapy, and medications.
After someone suffers a spinal cord injury, their house may need to undergo modifications like widening doors and entryways to accommodate a wheelchair. A lawyer with experience recovering long-term compensation for Charleston spinal cord injuries could help calculate the potential costs and damages following the accident.
How an Attorney Could Help Recover Charleston Spinal Cord Injury Compensation
A lawyer could play a significant and multifaceted role when it comes to recovering damages. This includes gathering all the medical records, analyzing all the medical records, and meeting with the doctors early and often to capture opinions regarding key issues. These may include permanent impairment from the injury, work restrictions, future medical care, and plans for the injured victims future.
If you or one of your loved ones suffered a spinal cord injury, contact a lawyer today about long-term compensation for Charleston spinal cord injuries. Let an attorney help you recover the damages that you deserve following your accident.