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Common Accidental Injuries That Can Result In Long Term Disabilities


Between work, hobbies, and social activities, there are a variety of different types of risks we face daily. Even seemingly minor accidents can end up causing long term disabilities. Long term disability (LTD) insurance benefits available through your employer can provide a lifeline in this situation. Find out more about common types of accidental injuries and how to get the benefits you deserve.

Injuries Resulting In Long Term Disabilities

Accidental injuries are a leading cause of death and disability in the United States. According to the Centers for Disease Control and Prevention (CDC), they send close to 30 million people to hospital emergency rooms each year. Motor vehicle accidents, slips and falls, and getting struck by or against objects are all common causes, as is overuse and repetitive stress.

Injuries can happen traveling to and from work, walking through your neighborhood, visiting others, or attending social activities. They also occur frequently playing sports or engaging in different recreational activities. Among the most common types of injuries that lead to long term disabilities include:

  • Back and neck injuries, such as whiplash and herniated discs;
  • Broken bones and dislocated joints;
  • Burns, which can result in permanent scarring and disfigurement;
  • Crushing injuries, causing damage to body limbs or internal organs;
  • Deep cuts and lacerations, resulting in loss of use of body parts;
  • Head injuries, such as concussions and skull fractures, which can result in traumatic brain injuries (TBI);
  • Injuries involving muscles, tendons, or other soft tissues, such as sprains, strains, and tears;
  • Spinal cord injuries, resulting in temporary or permanent paralysis.

What You Need To Know When Seeking LTD Benefits For Personal Injuries 

When accidental injuries result in long term disabilities, benefits available through your employer can help offset lost income. To protect your rights to these benefits, take the following steps:

  • Seek medical attention immediately after your accident;
  • Get a firm diagnosis of your condition and confirmation of your disabled status;
  • Follow all doctor recommendations regarding follow up care and activity restrictions;
  • Keep copies of all medical records and lost wages, as well as a journal detailing the impact your injuries have on other areas of your life.

In some cases, personal injuries are no mere accident but are caused by the reckless actions of others. Under the Florida Statutes, even if you were partially responsible, you may be entitled to compensation through an insurance claim or a personal injury lawsuit. Long term disability insurance can provide a lifeline while you wait for a settlement, but be aware the insurance company may be entitled to reimbursement of some costs.

Contact an Attorney for Help 

At Farrell Disability Law, we are dedicated to helping you get the maximum amount of compensation you are entitled to when long term disabilities happen. To discuss your options in terms of LTD benefits, contact our Jacksonville long term disability attorney and request a consultation in our office today.

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