We are a Cleveland spinal cord injury attorney team at Joseph Law Group, LLC who understand how devastating spinal cord injuries can be, not only physically, but financially too. Our firm is rated by Super Lawyers, and we take pride in our track record in helping over 5,000 injured victims. Many of these victims have suffered spinal cord injuries, so we understand just how taxing this situation can be, particularly when it comes to finances.
Financial Burdens
Spinal cord injury survivors often face enormous financial burdens that insurance does not fully address. Even when policies are in place, survivors encounter gaps in coverage and long-term planning challenges. One often overlooked fact is that uninsured patients are less likely to be discharged to acute rehabilitation after spinal cord surgery, which can dramatically delay recovery and increase long-term costs. Also, inadequate insurance coverage and steep rehabilitation expenses are commonly cited as major obstacles to seeking care. Imagine being unable to walk, but also unable to seek care because of insurance.
Many insurance plans focus mainly on immediate medical costs like surgery and hospital stays but do not fully cover ongoing rehabilitation, specialized equipment, or home modifications. Adaptive equipment, daily personal care, and mental health services are frequently deemed nonessential and therefore excluded. Life care plans for spinal cord injury survivors may include elements such as architectural home renovations, adaptive vehicles, assistive technology, case management, and more…none of which are consistently covered. Even when long-term care is needed, Medicaid eligibility often only begins when assets are significantly depleted, and Medicare typically excludes long-term non-rehabilitative care.
The costs of traumatic spinal cord injuries can accumulate into hundreds of thousands over a patient’s lifetime. This includes re-hospitalizations and long-term rehabilitation demands. A further troubling trend is that income disparities can widen over time; people who suffer an SCI still often work, but they are limited due to their injuries, unlike their coworkers.
Underinsurance
Underinsurance is a scenario where people have some coverage but still face high out-of-pocket expenses which restricts access to necessary care and poses serious financial risk. As your legal advocates, we work to secure compensation that considers not just immediate costs, but future needs including home modifications, equipment, personal care, therapy, and mental health support. We help clients explore financial tools like special needs trusts and ABLE accounts to protect assets and qualify for government benefits.
Our Super Lawyers–rated team leverages our reputation in obtaining full compensation where insurance falls short. This expertise supports families in building detailed life care plans, demonstrating both existing and future needs to insurers and courts alike. By focusing on individual care plans and closely documenting future expenses, we push insurers beyond initial offers and toward fair compensation ensuring clients are not left to shoulder lifelong burdens themselves.
At Joseph Law Group, LLC, we have helped over 5,000 injured victims pursue justice and financial security. If your family is facing the financial strain of long-term spinal cord injury care, we are here to help you plan for life ahead.
