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In Abuja, Nigeria, Disability Insurance Law is primarily governed by the Discrimination Against Persons with Disabilities (Prohibition) Act, signed into law in 2018. This entitles persons living with disabilities to comprehensive health insurance, through private or public sector insurance companies. The aim of this framework is to ensure they receive adequate treatment , rehabilitation and support. However, understanding and navigating the legal terrain of disability insurance can be complex, which is where legal advice is often sought.
Many circumstances can necessitate the need for a lawyer in the area of disability insurance. Some of these scenarios could include: a denial of disability benefits from an insurance company, a reduction or termination of previously accepted benefits, or disputes regarding the amount of benefits perceived to be owed. Furthermore, a lawyer can help you understand your rights as a policyholder, assist in filing claims, and provide guidance if you believe you were terminated from work due to disability.
The Discrimination Against Persons with Disabilities (Prohibition) Act in Nigeria prohibits all forms of discrimination on the grounds of disability and imposes penalties for any infringement. This includes the right to a fair hearing regarding all matters surrounding the establishment of their disability and the associated insurance. It also includes the right to receive insurance benefits for injuries sustained at work that led to the disability. An understanding of these rights and aspects of the law is integral when dealing with disability insurance issues.
Disability Insurance is a type of cover that provides income protection to individuals who become disabled and are unable to work.
No, Disability Insurance is not mandatory but is highly recommended as it provides economic protection in the event of disability.
Disability Insurance generally covers a portion of your income if you become disabled and cannot work.
The disability insurance payout is typically a percentage of your income at the time of disability, this is subject to the terms and conditions of the individual policy.
Yes, insurers can deny a claim if they believe the disability doesn't meet the criteria or that the policyholder has failed to comply with policy terms. However, you have the right to challenge this decision and seek legal advice.
Yes, disability insurance isn't restricted to work-related incidents and often covers incapacitation arising from accidents outside of the workplace.
Some Disability Insurance policies do cover mental health disorders. Be sure to check the terms of the policy or consult with a legal expert for clarity.
The Discrimination Against Persons with Disabilities (Prohibition) Act prohibits discrimination of persons due to disabilities, which includes wrongful termination from employment.
No, however, seeking legal advice can be beneficial to ensure your rights are protected and you fully understand the terms of the policy.
Yes, it is possible to be covered by both private and public disability insurance plans.
Others resources to consider include the Nigerian Council for Disabilities, NGOs specializing in disability advocacy, and legal aid bodies offering advice in this area. The National Health Insurance Scheme of Nigeria (NHIS) may also be of benefit.
If you require legal assistance, it's advisable to seek out a local lawyer who specializes in Disability Insurance Law. They can help you understand your rights, help you handle claims, disputes and any other issues you may encounter with your policy. It may also be worthwhile consulting local non-profits and advocacy groups for advice and assistance.
