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It can happen to anyone: Suffering from a loss of ability to work?

You must know your rights

An accident, illness or any other medical reason may leave us unable to work.

Just before the bills pile up, Adv. Sami Abu Warda came to the studio to tell you everything you need to know about the subject.

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• Loss of work capacity

In conjunction with Legal Zap

Sunday, 02 May 2021, 10:51 Updated: 10:55

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In the video: Adv. Sami Abu Warda on loss of ability to work (Editing: Pages of Stick)

Unfortunately, there are many in Israel who have lost their jobs in the face of a medical problem and are now forced to fight for their rights, even though these are stipulated by law. Lawyer Sami Abu Warda arrived at the studio to explain a bit about the subject of disability and utilization rights field.

First, what PHI and how it is determined?

"PHI is when a person can not work as they do working earlier, before the accident, Illness or any medical cause. There are policies that compensate for partial loss of work capacity, others for full and there are those that compensate even in case you cannot specifically engage in your profession, even if you can work in any other job. Most policies are general and provide a monthly payment only if a person is unable to work in his job, or in another reasonable occupation. What is 'other reasonable occupation'? This is the issue that has preoccupied us for many years in the courts and with insurance companies. "

How is loss of ability to work determined?

"It starts with a person who feels that we can not continue to work in the same format or occupations. We turn to a professional doctor and then to an occupational physician, who determines that the same person can not continue to work in the same job, to the same extent or under the same conditions. "From work, and also to the insurance company if necessary. Most citizens of the State of Israel are insured with insurance for loss of ability to work."

What does a person who has been determined to be incapacitated for work receive?

"A monthly allowance, from a pension insurance policy, a disability policy, executive insurance, social security. The idea is that a person who, due to a medical condition, can not continue to support himself and his family - the insurance company and social security will give him the safety net. When he worked, he paid "With the best of his money, therefore, in such a case, he is entitled to the solution."

And beyond that monthly allowance, are there additional rights?

"Absolutely. If it is a loss of ability to work due to a car accident, there is a claim against the compulsory insurance related to the car. If it is a work accident, you can file a claim against the pest or employer. The monthly allowance is the main thing, but those who reach 90 percent medical disability get exemption "Up to a certain amount of income tax. There are also discounts on property taxes and electricity, and the higher the disability, there is a basket of rights that changes accordingly."

And how important is it to start such a process with a lawyer and turn to someone who specializes in this area?

"The insurance companies themselves will answer that the end result is not only according to the plaintiff's medical condition, but is greatly affected by whoever represented him before them."

Suffering from loss of ability to work?

To Adv. Sami Abu Warda's page >> To Adv. Sami Abu Warda

's website

Phone: 077-9971228

Article courtesy of Zap Legal The

information presented in the article does not constitute legal advice or a substitute for it and does not constitute a recommendation for taking proceedings or avoiding proceedings.

Anyone who relies on the information in the article does so at his own risk

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