Ajax Long-Term Disability Lawyer
If you were seriously injured in an accident, have developed a chronic illness, or are experiencing debilitating symptoms of mental health disorders, carrying out the regular duties of your job might be impossible. If your medical condition prevents you from working and you have access to the appropriate level of insurance coverage, you may be able to collect long-term disability (LTD) benefits.
Some employers may provide their staff members with group insurance plans that include coverage for LTD benefits. If you do not have access to insurance coverage through your place of work, you may wish to purchase your own policy with disability coverage.
LTD benefits are intended to provide necessary financial assistance to insurance policyholders who, through no fault of their own, have developed a disabling medical condition that prevents them from carrying out the tasks associated with their occupation. Policyholders with the appropriate level of coverage might qualify to receive LTD benefits after exhausting other forms of available benefits, such as short-term disability and employment insurance.
While LTD benefits do not replace a recipient’s entire regular income, often these monthly payments provide qualified claimants with between 60-70% of their normal wages. These income replacement payments can be crucial for people who cannot continue to work as a result of their disabling medical condition. Living with a disability can be challenging and expensive. For people with severe, prolonged physical or mental disabilities, LTD benefits could be the only source of financial stability available.
Eligibility requirements for LTD benefits vary from policy to policy. Before filing a claim for LTD benefits, it might be worth reviewing the details of your insurance plan with an Ajax long-term disability lawyer to ensure that your condition meets your plan’s definition of disability. Some examples of physical and mental conditions that might enable you to receive LTD benefits include:
- Heart disease
- Back problems
- Chronic pain or complex regional pain syndrome (CRPS)
- Lupus or Lyme disease
- Psoriatic arthritis or fibromyalgia
- Paralysis
- Depression
- Bipolar mood disorder
- Post-traumatic stress disorder (PTSD)
- And possibly more
Unfortunately, even for policyholders with disabling medical conditions that legitimately prevent them from working, it can be hard to get LTD benefits. In fact, many insurance providers deny claimants’ benefits applications for reasons that can be difficult to comprehend.
Insurance companies are not required to disclose what percentage of claims for LTD benefits are denied each year, however based on anecdotal evidence and a comparison of annual disability claim denials issued by the Canada Pension Plan (CPP), it can be surmised that more than half of all LTD claims submitted each year are not approved by insurance providers.
If your claim for LTD benefits has been denied, you are not alone. Sadly, the knowledge that many insurance policyholders are denied access to the payments they are rightfully owed does not make the process any easier. For those struggling to make ends meet after acquiring a severe medical condition, receiving a denied claim for LTD benefits can be frustrating, disheartening, and indeed, very frightening.
By working with our long-term disability lawyers serving Ajax, you may be able to overturn your insurance provider’s unfair decision in order to recover the benefits you deserve. To learn more about how our Ajax long-term disability lawyers may be able to assist you, schedule a free initial consultation with Preszler Injury Lawyers today.
Contact Our Ajax Long-Term Disability Lawyers
Our long-term disability lawyers serving Ajax provide all prospective clients with a free initial consultation. Even if you are unsure whether you might be entitled to fight your insurance provider’s decision, taking advantage of your cost-free, no-obligation first meeting with Preszler Injury Lawyers could be beneficial.
By discussing your case with our Ajax long-term disability lawyers, you will have the opportunity to learn about legal options that might be available to you so that you can protect your financial well-being during this difficult time. To receive personalized legal advice today, schedule your free initial consultation by calling our long-term disability lawyers serving Ajax at 1-800-JUSTICE.
