Belleville Long-Term Disability Lawyer
People pay monthly premiums for insurance plans so that, should the unimaginable happen, they will be able to access the benefits they need to help them through difficult times. Since either they or their employers make regular contributions to the insurance company that sponsors their plan, policyholders expect fair treatment and easy access to their benefits should they need to claim them.
Policyholders with an adequate level of insurance coverage may be able to claim long-term disability (LTD) benefitsshould they be diagnosed with a disabling physical or mental condition that makes it impossible for them to continue working. LTD benefits are intended to be income replacement payments for people who, through no fault of their own, can no longer perform the duties of their job because of severe injuries, chronic physical illnesses, or debilitating mental health disorders.
LTD benefits generally replace between 60-70% of a recipient’s regular earnings. Even though insurance companies do not provide eligible benefits recipients with compensation for their entire salaries, these regular monthly payments can be crucial sources of income for those who can no longer carry out the tasks of their occupation. In fact, for many workers with medical conditions that keep them from earning their normal wages, LTD benefits may be the only source of regular income available.
In order to apply for LTD benefits, eligible insurance policyholders whose plans include an appropriate level of coverage may be required to submit medical evidence to their insurance provider along with their application. This evidence should be able to prove that the applicant has been receiving ongoing treatment for this disabling condition and that its symptoms make it impossible for them to perform the duties of their jobs. Types of evidence a claimant may be required to submit include:
- Medical records
- Results of medical examinations
- Statements from attending physicians
- A detailed description of job duties
- A statement from plan sponsor (i.e. employer)
- Other documentation
That said, even after supplying compelling, accurate medical evidence proving the severity of their condition and the adverse impact it has on their ability to return to work, policyholders who have applied for disability benefits often have their claims denied. And while denied applicants should have the ability to appeal their insurance provider’s initial determination, standing up to a large insurance company without assistance and while already suffering the debilitating symptoms of a disabling medical condition can seem like an impossible task.
People living with a disability often find themselves in precarious financial circumstances, especially when their insurance providers decide to deny their claims for LTD benefits. At Preszler Injury Lawyers, our Belleville long-term disability lawyers believe that no one should be forced to suffer the anxieties and financial uncertainties caused by an unfairly denied LTD benefits claim.
If your claim for LTD benefits was denied, contact us online or call 1-800-JUSTICE to speak with our long-term disability lawyers serving Belleville about your case during a free initial consultation.
Book Your Free Initial Consultation with our Belleville Long-Term Disability Lawyers
By taking advantage of a free initial consultation with our long-term disability lawyers serving Belleville, you will have the opportunity to review the terms of your policy, ask questions about why your claim was denied, and receive personalized, case-specific feedback about legal options that might be available to you.
If you are eligible to pursue legal action, our Belleville long-term disability lawyers may be able to help you fight your insurer’s unfair decision so that you can recover the compensation you are rightfully owed. To learn more about how Preszler Injury Lawyers may be able to help with your case, call 1-800-JUSTICE today and schedule your cost-free, no-obligation first meeting with our long-term disability lawyers serving Belleville.