Bowmanville Disability Lawyer
The road to recovery is often full of uncertainty. People who have developed medical conditions that prevent them from working often experience tremendous anxieties. If someone cannot perform the duties of their job because of a debilitating injury, physical illness, or mental disorder, they may not know how they will be able to continue supporting themselves or providing for their families.
People living with a disability are often faced with difficult decisions. When their disability makes it impossible for them to continue working in their occupational field, they might not be able to afford both their regular costs of living and newly acquired expenses related to their disabling medical condition. All of this financial precarity can exacerbate serious mental health conditions often developed by injured or ill patients, such as depression and anxiety. A person’s physical, mental, and financial well-being can all be totally undermined, through absolutely no fault of their own.
That said, certain people may have access to long-term disability (LTD) benefits through their employer’s group insurance plan or through a policy that they themselves pay for privately. Severely injured or ill policyholders who cannot return to work because of their newly acquired medical conditions may be able to file a claim for LTD benefits if their insurance plan includes an appropriate level of coverage.
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. But, despite the fact that available payments will most certainly not cover their total, regular earnings, LTD benefits can be crucial sources of income for disabled Bowmanville residents.
Unfortunately, for a number of different reasons, insurance companies may see it fit to deny an applicant’s claim for LTD benefits, even when they supply thorough proof illustrating the preventative effect their medical condition has on their ability to carry out the tasks associated with their jobs. Insurance providers often deny claims for LTD benefits because:
- Insufficient supporting medical evidence was included in the application
- Claim was filed late, past requisite deadlines
- There 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 long-term disability lawyer serving Bowmanville today.
Call 1-800-JUSTICE to 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 in order to get the payments you deserve.
To review your case with our Bowmanville long-term disability lawyers and receive personalized, case-specific advice, call 1-800-JUSTICE to contact Preszler Injury Lawyers today.