Victims of a traumatic brain injury should consult a Chicago traumatic brain injury lawyer well versed with medical claims and the legalities surrounding them.
Medical bills for treatment of a traumatic brain injury (TBI) often add financial stress to the already long road to recovery. There are various types of insurance that a TBI victim can use to pay for their medical bills.
Personal Injury Protection (PIP) and Med-Pay
PIP and Med-Pay are insurance coverages that cover medical bills, lost wages, and other expenses incurred by car accident victims. Both of these insurances are no-fault insurances, covering expenses incurred regardless of who was at-fault.
Auto Medical Payments (AMP)
Auto medical payments coverage is optional. AMP and PIP payments range between $1,500 and $250,000 and depend on the injury, subsequent expenses incurred, and state law. In an accident when fault has been determined, the responsibility of paying medical expenses must be shouldered by the at-fault party. If the at-fault party has little or no insurance, it becomes the legal responsibility of the victim’s insurance to bear the payments.
Uninsured Motorist (UM) or Under-Insured Motorist (UIM)
Many states in the U.S. now mandate motorists to carry a UM or UIM coverage. This coverage protects an accident victim in case the at-fault motorist is uninsured or under-insured. UM and UIM also protects pedestrians and hit-and-run car accident victims.
Accident victims can also pay their medical bills through their health insurance provider. However, using health insurance has a catch. The insurance carrier can assert a subrogation lein, meaning that the insurance carrier has the legal right to get back any expenses already paid from the settlement proceeds.
For traumatic brain injuries resulting from workplace accidents, the state has mandated that every employee has the right to medical care. In this case, medical bills can be paid through workers compensation.
Medicare and Medicaid
Medicare is health insurance coverage for citizens who are 65 years or older with certain disabilities. It covers inpatient care, nursing and homecare facilities, outpatient care, and doctor’s services. Medicaid, on the other hand, covers expenses such as nursing home care and other medical services for families with limited income and resources. The limits of income are determined on a state by state basis.
Social Security and Supplemental Security Income
These federal programs are designed for individuals with disabilities. The disabilities depend on criteria set by the Social Security Administration. These benefits are paid to an individual only if they are insured, that is, they have worked long enough and paid Social Security Taxes.
Accident victims should consult a Chicago traumatic brain injury lawyer well versed with medical claims and the legalities surrounding them. For a free consultation, call Willens Law Offices at (312) 957-4166.