Accidental Disability Claim in National Insurance in Ramat Gan

What is Casual Disability in National Insurance?

Casual disability is an impairment to work capacity or ability to participate in daily life resulting from an accident or occupational disease, resulting in permanent or temporary loss of functionality. In national insurance, disability is defined as the inability to work or participate in daily activities due to physical or mental injury. Any person injured in a traffic accident, work accident, or suffering from an occupational disease is entitled to file a claim with the national insurance to receive monetary compensation for their disability percentage.

Filing a national insurance claim is an important legal right that enables an injured party to receive compensation for the damage sustained. Compensation is calculated based on the disability percentage determined by a medical committee of the national insurance, and in accordance with age, salary, and other legal factors.

Who is Entitled to File a Casual Disability Claim?

Any person injured in an accident or suffering from an occupational disease that resulted in disability is entitled to file a claim with the national insurance. This entitlement includes employees, self-employed individuals, farmers, and in certain circumstances even individuals who were not covered by national insurance at the time of the accident but are Israeli citizens or permanent residents.

An accident can be a traffic accident, work accident, fall, bone fracture, sports injury resulting in permanent disability, or exposure to an occupational disease. In all these cases, you must contact the national insurance and file a claim.

Process of Filing a National Insurance Claim

The process begins with notifying the national insurance of the accident or disease. Subsequently, the national insurance conducts an initial investigation and may request medical documents and additional information. In the next stage, the injured party is referred to a medical committee that will determine their disability percentage. This committee will examine their medical condition, the extent of impact on their work capacity, and establish an official disability percentage.

After the disability determination is established, the national insurance will calculate the compensation according to a legal formula that includes the disability percentage, age, average income, and sometimes additional factors. If the injured party disagrees with the disability determination, they have the right to appeal before an appeals committee of the national insurance.

Types of Disability in National Insurance and Compensation Calculation

In national insurance, disability is divided into several categories based on the severity of injury and its impact on work capacity. The disability percentage can range from 1% to 100%, with 100% representing total disability – meaning complete inability to work or participate in life.

The calculation of monetary compensation is based on several factors: the disability percentage determined by the medical committee, the age of the injured party at the time of the accident, their average income in the period preceding the accident, and their current condition. Additionally, compensation can be received for loss of earning capacity, pain and suffering, and additional medical expenses.

Temporary Disability versus Permanent Disability

Temporary disability refers to an injury expected to resolve within a limited period, typically within several months to a year. In temporary disability, the injured party is entitled to a monthly allowance until recovery or until it is determined that the disability has become permanent. Permanent disability, by contrast, is a disability expected to persist long-term or for life. In permanent disability, the injured party receives a one-time lump sum payment in addition to a monthly allowance in certain cases.

Factors Affecting Compensation Amount

• Disability percentage: The higher the disability percentage, the greater the compensation. A 50% disability results in higher compensation than a 20% disability.
• Age of the injured party: Younger age typically means higher compensation, since the injured party is still at the beginning of their career and will lose more future income.
• Income: The injured party's average income directly affects the compensation amount. Higher income means higher compensation.
• Field of occupation: The type of work the injured party performed affects the assessment of future loss of earning capacity.
• Additional health condition: If the injured party has pre-existing health issues, this may affect the determination of the disability percentage.

Accidental Disability Claims in Ramat Gan – Legal Expertise

Mandelbaum, Gur, Witzman-Gur and Partners has specialized in tort and national insurance claims since 2008. In our work with tort claimants in Ramat Gan and the surrounding area, we consistently and efficiently lead accidental disability claims in national insurance. We understand national insurance procedures, medical committees, appeal processes, and we know how to present your case in the most convincing manner.

As tort attorneys, we represent only claimants – not families or insurance companies. This means our interest is solely the interest of the injured party. We work with complete transparency and personal care with each client, providing accurate and lawful legal advice.

Accidental Disability Claim vs. Civil Lawsuit – What's the Difference?

It is important to understand that a claim for accidental disability with the National Insurance Institute is different from a civil lawsuit against the party responsible for the accident. With the National Insurance Institute, an injured party receives fixed compensation based on the percentage of disability and legal factors. In a civil lawsuit, by contrast, the injured party can sue the responsible party (for example, a driver who caused a traffic accident) for all damages incurred, including pain and suffering, loss of earning capacity, medical expenses, and additional damages.

Typically, an accident victim can file two claims simultaneously: one with the National Insurance Institute and one civil lawsuit. The compensation does not overlap completely, and there are legal tables that determine how compensation is divided between the two claims.

The Appeal Process for Disability Determination

If the injured party disagrees with the percentage of disability determined by the National Insurance Institute's medical committee, they have the right to file an appeal before an appeals committee. This appeal must be based on new medical evidence or an argument that the medical committee did not properly examine all medical aspects of the case.

In the appeal process, the family or injured party can present additional medical evidence, opinions from external physicians, evidence of impact on earning capacity, and legal arguments regarding errors in the determination. The appeals committee will review all evidence again and determine whether there is grounds to change the disability determination.

Claim Timeline – How Long Does It Take?

The process of filing an accidental disability claim with the National Insurance Institute can take anywhere from several months to two years, depending on the complexity of the case, the number of medical examinations required, and the degree of agreement between the injured party and the National Insurance Institute. In the first stage, the National Insurance Institute will schedule the initial examination, which can take several weeks. The injured party will then be referred to a medical committee, whose examination can take several additional weeks or months.

If there is an appeal, the process will take even longer. However, the Mandelbaum, Gor, and Yitzhak-Gor office handles all stages efficiently and plans the claim so that it advances at the highest possible speed.

Legal Costs in Accidental Disability Claims

In National Insurance Institute claims, there are typically no heavy legal costs, since this is not a court proceeding but rather an administrative procedure with the National Insurance Institute. However, there may be costs for additional medical examinations, expert opinions, or legal work if an appeal or supplementary claim is necessary.

The Mandelbaum, Gor, and Yitzhak-Gor office works on transparent terms: we explain all possible costs in advance, and we do not charge a fee for the initial consultation. In more complex claims, we may work on a contingency basis, taking a percentage of the compensation the injured party receives, which gives us an incentive to successfully advance the claim.

Comparative Table: Scenarios of Accidental Disability

Note: This table presents typical scenarios only. Each case is examined individually, and disability percentages and compensation amounts vary according to the specific circumstances, age, income, and unique medical conditions of each injured party.

Why Choose Mandelboim, Gor, Witzman-Gor Law Office for Accidental Disability Claims?

Mandelboim, Gor, Witzman-Gor Law Office has specialized in personal injury claims since 2008. Over more than 18 years, we have represented hundreds of claimants in accidental disability claims with the National Insurance Institute, road accident claims, workplace accident claims, and public negligence claims. Our experience provides us with a deep understanding of National Insurance procedures, how medical committees operate, and how to appeal determinations that appear to be incorrect.

We represent only claimants in personal injury matters – not families or insurance companies. This means our interest is solely the interest of the injured party. We are not involved in conflicts of interest, and we work with complete transparency and personal care with each client.

In Ramat Gan, Mandelboim, Gor, Witzman-Gor Law Office is located at Donesh 1, in a convenient location close to city residents. We provide personal, comprehensive, and accurate legal advice, and we guide you through every stage of your claim. Our initial consultation is at no cost, and we evaluate your case with an open mind and without obligation.

Office Values and Principles

We believe in professional, ethical, and dedicated representation. Every client of ours is important, and every claim is handled with care and precision. We listen to our client, explain his rights, and keep him updated on all developments in the claim. We do not hide behind complex legal language, but speak clearly and understandably.

Additionally, we place great importance on the final outcome. We do not settle for small compensation or weak settlements. We negotiate consistently, present strong evidence, and fight for every shekel owed to the injured party.