Florida nurses face complex risks and hazards every time they clock in for work. Health care is an ever-changing and difficult industry, and the men and women who work in this field as nurses may face certain physical risks on the job. Nursing can be hazardous, no matter the particular environment, and some nurses experience incidents that leave them unable to return to work.
If you are a nurse and you consider yourself disabled after a work accident, you may have grounds to seek disability benefits through either a group disability plan or an individual policy. However, navigating insurance matters is quite complex. Many applicants find it difficult to get the help they need, even with a valid claim.
Common injuries can lead to disability
Many people enter nursing in order to provide necessary care and support to people who are sick and injured. While you may commit to the care of others, you may actually find yourself facing certain risks that can be a direct threat to your own health and safety. Some of the most common risks nurses face in the workplace include the following:
- Exposure to pathogens, chemicals and certain diseases can lead to the contraction of a serious illness or condition.
- Lifting patients, moving bed-bound individuals and even handling equipment can lead to back injuries.
- Violence from patients and their families can lead to serious injuries and trauma for nurses who are physically injured.
These are common risks associated with the provision of care in any type of medical facility. The health care industry ranks among the highest for workplace injuries and sickness, and sometimes, these injuries can be temporarily or permanently disabling.
Unfortunately, many injured workers find it difficult to claim the benefits they need through a disability insurance claim. These polices often contain confusing language and have strict qualification requirements, and you may need help to get the benefits you deserve.
Walking through complex insurance matters
If you are a nurse disabled due to an injury suffered at work, you have the right to file an insurance claim for disability benefits. Unfortunately, these companies do not have your best interests in mind, and many claims come back denied.
You will find it beneficial to seek a complete understanding of your rights and your legal options according to the terms of your disability insurance policy. You can do this by seeking a complete evaluation of your case.