Disability Allowance Claim in National Insurance in Petah Tikva

What is a Disability Allowance in National Insurance?

Disability allowance is a monthly financial benefit granted by the National Insurance Institute to insured persons who have been injured in an accident (traffic or workplace) and have experienced a permanent change in their work capacity. It is a legal right established by the National Insurance Law, designed to maintain the quality of life of the injured person and their family members following the injury.

Unlike a one-time payment for bodily injury compensation, disability allowance provides fixed monthly income that extends for many years and sometimes for life, depending on the percentage of disability determined by medical evaluation.

Who is Eligible for a Disability Allowance?

To be eligible for a disability allowance under National Insurance, you must meet the following criteria:

• Experience of an accident: traffic accident, workplace accident, or any event caused by a work-related condition recognized by the National Insurance.
• Impairment of work capacity: The injury incurred in the accident must result in a permanent reduction of work capacity, not merely temporary damage.
• Insured with National Insurance: You must be registered as an insured person with the National Insurance Institute at the time of the accident.
• Minimum disability percentage: Generally, a certain percentage of disability (according to National Insurance guidelines) is required to be eligible for the allowance.

If you reside in Petah Tikva and have been injured in an accident, our office in Petah Tikva (Yoni Netanyahu 8) offers you free consultation to verify your eligibility.

Process for Filing a Disability Allowance Claim

Filing a claim for disability allowance with the National Insurance involves several significant stages:

1. Collection of medical documentation: Documentation of all treatments, examinations, medical opinions, and surgeries performed as a result of the accident.
2. Submission of application to National Insurance: Formal submission of a claim for allowance with all required documents.
3. Medical examination by National Insurance: The National Insurance arranges a medical examination by a specialist physician to assess your disability percentage.
4. Receipt of initial decision: The National Insurance issues a decision regarding your eligibility for the allowance and the proposed disability percentage.
5. Appeal if necessary: If the National Insurance decision is unsatisfactory, you may file an appeal before an appeals committee within a specified timeframe.
6. Receipt of monthly allowance: Following approval of your claim, you will begin receiving a monthly allowance in accordance with the disability percentage determined.

This process requires deep knowledge of National Insurance procedures and experience in arguing before insurance authorities. Our lawyers in Petach Tikva are here to stand by your side at every step.

How is the Disability Percentage Determined?

The disability percentage is a medical-legal determination that reflects the level of impairment to the injured party's work capacity. This determination is not arbitrary, but is based on medical standards and evaluation tables recognized in Israeli case law.

The National Insurance Institute uses medical evaluation tables to determine the disability percentage according to the type of injury, its location, and the injured party's current functioning. For example, the loss of a certain finger on the hand of a construction worker may be considered a higher disability than the loss of the same finger on the hand of an office worker, depending on the job requirements.

During the National Insurance examination, a specialist physician will examine you and evaluate:

• The extent of physical injury to the body.
• Limitations in movement, strength, or functioning.
• The impact of the injury on your ability to work in the job you held before the accident.
• Your ability to transition to another occupation and the degree of difficulty in doing so.

It is important to know that you are entitled to bring your own medical reports to this examination, and you should also assert your right to be represented by an attorney who will ensure that the disability assessment reflects your true condition.

Difference Between Disability Pension and One-Time Compensation

It is important to understand the difference between these two rights:

Disability Pension: A fixed monthly benefit that provides consistent income to the injured party each month, according to the disability percentage. This is a right established by the National Insurance Law and is not dependent on a civil lawsuit.

One-Time Compensation: A lump-sum payment that may be received for bodily injury damages (suffering, pain and suffering, loss of work capacity) in a civil lawsuit against the party responsible for the accident (driver, employer, etc.).

In many cases, an injured party may be entitled to both: a disability pension from the National Insurance Institute and also civil compensation from the responsible party. Our firm represents claimants exclusively in tort law and specializes in managing these two avenues simultaneously to achieve the full compensation you are entitled to.

Why is Legal Representation Important?

Filing a claim for a disability pension with the National Insurance is not straightforward. The National Insurance Institute may offer a disability percentage lower than what you actually deserve, or may reject the claim based on unjustified arguments. Without expert legal representation, it is difficult to obtain your full entitlement.

An expert attorney will:

• Review all your medical documents and ensure they are strong and clearly establish the injury.
• Advocate for you during the National Insurance medical examination.
• Appeal if the initial decision is unjust.
• Negotiate with the National Insurance Institute to reach a fair settlement.
• Ensure that the monthly pension is calculated correctly according to the established disability percentage.

Comparison Table: Typical Scenarios in a Disability Allowance Claim

Below are general examples of types of injuries and typical disability percentages that the National Insurance may recognize:

Important Note: This table presents general examples only. The actual disability percentage depends on each individual case, the assessment of the National Insurance physician, and the specific consequences of the injury on your ability to work. Do not rely on this table as an accurate prediction of your case.

Tips to Strengthen Your Claim

To increase your chances of receiving a higher disability allowance, consider the following steps:

• Keep all medical reports: Every examination, procedure, physiotherapy treatment, or doctor's visit should be documented. These reports are your evidence.
• Obtain expert opinions: If your injury is complex, seek opinions from specialists (such as a neurologist, orthopedist, or psychiatrist) who will support your claim.
• Document the impact of the injury on your work: Write a document describing how the injury affected your ability to work in your job before the accident.
• File complaints promptly: If the National Insurance delays the process or does not respond to your requests, file a formal complaint.
• Seek legal advice at an early stage: Do not wait until your claim is rejected. Contact an attorney already at the stage of submitting your initial request.

Why Choose Our Petach Tikva Office?

Our firm, Mandelboim, Gor, Witzman-Gor and Co., Attorneys at Law, has been operating in Petach Tikva since 2008 in the fields of tort law, social security law, and insurance law. We specialize exclusively in representing claimants, which means we always stand by your side and maximize your compensation.

Our experience includes hundreds of cases involving disability allowances in the social security system, and deep knowledge of social security procedures, assessment tables, and relevant case law. We know how to challenge social security decisions, file strong appeals, and secure higher disability allowances.

Additionally, our firm represents claimants in civil tort lawsuits, so we can guide you through civil litigation against the party responsible for the accident, while preserving your right to benefits from the social security system.

We believe in a personal and dedicated approach: every client is important to us, and each case is handled with precision and attention. Your first meeting at our Petach Tikva office (8 Yoni Netanyahu St.) is at no cost, and it is the perfect time to ask questions, understand your rights, and decide if we are the right choice for you.