You never know when an accident may occur, resulting in an injury. Fortunately, there are many different types of insurance to help cover a portion or maybe even all of the costs associated with recovery.
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Hi, I am Marcy from brainandspinalcord.org. Today, I will be bringing you some information on the major types of insurance from medical and rehabilitative treatment. Be sure to check the web site from all relevant links and a recap of this article. More people sustain a brain or spinal cord injury during the car accident than any other way. That is why automobile insurance is considered one of the major types of insurance used for the treatment of brain and spinal cord injuries. Because of the high incidents injury as a result of car accidents, it is important that both to you as well as other drivers on the road have adequate insurance. Automobile insurance gets financial protection to both the driver and the person who sustained the brain or spinal cord injury. There are two basic options when it comes to car insurance. These are personal injury and liability protection and uninsured motorist benefits. What is the difference? Every car owner is required to carry a personal injury and liability coverage. If a driver injures someone in an automobile accident, this type of coverage insures that funds are available to the person who has sustained the brain or spinal cord injury up to the limits of the policy. The funds can go towards things like hospital bills, physical therapy and rehabilitation. What happens if you sustain a brain or spinal cord injury in a car accident and the person responsible for the injury does not carry personal injury and liability insurance? That is where the uninsured motorist benefits option comes in. If you and your loved one are injured in an accident by a person who does not have personal injury and liability insurance, the uninsured motorist benefit will provide coverage. Brain and spinal injuries can also happen as a result of accidents on the job. Any time a person sustains a brain or spinal cord injury while he or she is performing his or her job, they are entitled to worker’s compensation. Worker’s compensation is a type of insurance carried by the employer and insures that the workers who are injured on the job do not suffer a loss of income as a result of their injury. How do you know if your employer or the employer of your loved one has worker’s compensation? It is required by law that all employers maintain this type of insurance. Another major type of medical insurance for medical and rehabilitation treatment is health and accident insurance. There are variety of health insurance options available from those that cover everything from routine doctor’s visits to those that are design to cover only major medical or catastrophic situations whether or not a particular health or accident insurance policy covers your brain or spinal cord injury or the brain or spinal cord injury of your loved one is highly dependent upon the individual policy. If the brain or spinal cord injuries are covered then the extent of that coverage is also dependent upon the individual policy. If you are unsure of your coverage or the coverage of your loved one, contact the insurance provider for more information. Finally, the last type of major insurance for medical and rehabilitation treatment is short and long term disability. This type of insurance policy is carried to a person’s employer. If you or your loved ones sustain a brain or spinal cord injury it is a good idea to contact the employer as soon as possible to determine if this benefit exists. Because the process of initiating short or long term disability is complicated involves a significant and a lot of paper work and physician documentation and it takes several weeks to be approved. It is a good idea to put the process in motion immediately following injury. This concludes our segment on the major types of insurance for medical and rehabilitation treatment. Remember to check our web site for the most updated information including resources and tips regarding brain or spinal cord injury and thanks again for watching.

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