Bowmanville Long-Term Disability Lawyers

The road to recovery is often full of uncertainty. People who have developed medical conditions that prevent them from working can experience tremendous anxiety. If someone cannot perform the duties of their job because of a debilitating injury, physical illness, or mental disorder, they may no longer be able to support themself.

When this happens, some Bowmanville residents may have access to long-term disability coverage through an employer group policy or a privately purchased plan. According to the Financial Consumer Agency of Canada, disability insurance generally replaces part of a person’s income, and many long-term disability plans replace about 60 to 70 percent of normal income.

If your long-term disability claim has been denied, delayed, or terminated, our Bowmanville long-term disability lawyers can help. We help LTD claimants who have been treated unfairly pursue the benefits they need to recover. Contact us today to find out how we may be able to assist you.

Medical Conditions That May Support a Bowmanville LTD Claim

LTD benefits typically provide recipients with between 60-70% of their regular wages. Depending on the terms of individual insurance policies, this payment amount might be subject to certain funding caps. Unsalaried, hourly employees whose insurance coverage includes LTD benefits might receive a payment assessment based on their average regular earnings, rather than the highest amount they might make in a week.

However, despite the fact that available payments will most certainly not cover their total, regular earnings, LTD benefits can be a crucial source of income for disabled Bowmanville residents.

Long-term disability claims are not limited to one type of diagnosis. A claim may arise from a physical injury, chronic pain condition, serious illness, neurological disorder, or mental health condition that prevents someone from performing the substantial duties of their occupation. For this reason, our LTD team frequently works with our Bowmanville car accident lawyers and Bowmanville slip and fall lawyers when clients are unable to work due to negligence-related accidents.

Common examples include severe back or neck injuries, traumatic brain injuries, cancer, autoimmune disorders, chronic fatigue, depression, anxiety, PTSD, and other conditions that significantly restrict concentration, stamina, attendance, mobility, or cognitive function.

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Since 1959, we’ve helped thousands of Canadians get the compensation they deserve with their long-term disability claims. One of Canada’s oldest personal injury law firms, personal injury law is exclusively what we do. Book a free consultation today with our top-rated personal injury lawyers.

Our team is available 24/7 to speak with you.

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Why Long-Term Disability Claims Are Denied

Unfortunately, insurance companies sometimes deny or terminate an applicant’s claim for LTD benefits, even when they supply thorough proof of their medical condition and its effect on their work.

For example, insurance providers often deny claims for LTD benefits because:

• Insufficient supporting medical evidence was included in the application
• The claim was filed late or past the requisite deadlines
• There is no objective evidence of disability (often the case with “invisible” injuries or illnesses)
• The medical condition does not meet the insurance policy’s definition of “disability”
• The policy includes contractual stipulations (often excluding pre-existing conditions) that disqualify a claimant’s application
• The claimant refused to undergo an independent medical examination (IME)
• And more

If your claim for LTD benefits was denied even though your medical condition makes it impossible for you to continue working, our Bowmanville long-term disability lawyers may be able to help you fight your insurer’s unfair decision. To learn more about courses of legal action that might be available to you, schedule a free initial consultation with our personal injury lawyers serving Bowmanville today.

The Two-Year Change From Own Occupation To Any Occupation

One of the most important practical issues in many LTD cases is the change in the disability definition after the initial benefit period. The Financial Consumer Agency of Canada explains that many plans pay benefits for up to two years if the claimant cannot return to their own job, and may continue after that only if the claimant cannot perform any job that fits the policy wording.

That shift often leads to benefit terminations or denials after two years, even where the person still has serious symptoms. A Bowmanville long-term disability lawyer can review the actual policy language, medical evidence, and vocational issues that may be affecting the insurer’s decision.

Evidence That Can Strengthen An LTD Claim

Strong LTD claims are usually built on consistent medical evidence. Helpful materials may include physician notes, specialist reports, diagnostic imaging, therapy records, medication history, functional assessments, and employer information describing the actual demands of the claimant’s role.

A detailed description of day-to-day limitations can also matter. It may be important to explain how pain, fatigue, cognitive impairment, or psychological symptoms affect attendance, concentration, productivity, safety, or the ability to sit, stand, lift, commute, or meet deadlines.

How Our Bowmanville Long-Term Disability Lawyers May Help

If your application for benefits was denied, delayed, or cut off, our Bowmanville long-term disability lawyers may be able to review the denial letter, the medical support already provided, and the policy wording to identify your next legal steps. Depending on the circumstances, that can involve dealing directly with the insurer through an appeal, supplementing the evidence, or pursuing litigation.

Speak With Our Bowmanville Long-Term Disability Lawyers

When you take advantage of your free initial consultation with our long-term disability lawyers serving Bowmanville, you will have the opportunity to discuss the impact your condition has on your ability to perform your job, ask questions about why your claim was denied, and review options you may be able to undertake to get the payments you deserve.

To review your case with our Bowmanville long-term disability lawyers and receive personalized, case-specific advice, call 1-888-608-2111 or contact us online today.

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LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN BOWMANVILLE?