Bradford Disability Lawyer
There are a number of reasons why certain insurance policyholders might require long-term disability (LTD) benefits. Many physical and mental health conditions can make it impossible for people to continue working. Should a person develop a disabling medical condition or sustain a severe, traumatic injury that prevents them from completing the duties of their jobs, they might seek out insurance coverage to help replace their lost income.
If your employer’s group insurance plan has coverage for LTD benefits, or if you have the appropriate level of coverage under an insurance policy you pay for independently, you might be eligible to apply for disability if it is impossible for you to do your job because of your current health condition. In order to be eligible for LTD benefits, you must first exhaust all other forms of insurance coverage available to you through your plan, including short-term disability and Employment Insurance (EI) sickness benefits.
In order to recover LTD benefits, policyholders with the appropriate level of insurance coverage must be able to submit evidence to their insurance provider proving that:
- They have received a diagnosis for a disabling medical condition
- They have received ongoing medical treatment for this condition
- Their condition requires them to continue seeking medical treatment
- Their medical condition makes it impossible for them to perform the specific duties of their job
- And possibly more
Examples of evidence that might be useful to include in an application for LTD benefits 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
Unfortunately, even after submitting thorough, compelling evidence proving that your injury or illness prevents you from working in your current occupational field, your insurance provider might decide to deny your claim for LTD benefits and withhold the income replacement payments to which you should be entitled. Insurance companies often deny LTD benefits claims for a number of reasons, many of which can be difficult to understand.
If your claim for LTD benefits was denied, consider scheduling a free initial consultation with our Bradford long-term disability lawyers. By working with our long-term disability lawyers serving Bradford, you might be able to overturn your insurance company’s unfair determination to recover the compensation you deserve, including:
- Previously withheld insurance benefits
- Legal fees
- Damages you have incurred as a result of your claim’s initial denial
- Punitive damages
- And possibly more
Speak with Our Bradford Long-Term Disability Lawyers Today
Preszler Injury Lawyers have decades of experience fighting against the unfair tactics often employed by insurance companies to avoid paying their policyholders what they are rightfully owed. If you have sustained a severe injury, developed a chronic illness, or have been diagnosed with a disabling mental health condition that prevents you from working, our long-term disability lawyers serving Bradford might be able to provide you with crucial legal assistance and advice.
To review the details of your case with our Bradford long-term disability lawyers and receive personalized legal advice about options that might be available to you, call 1-800-JUSTICE and book your free initial consultation with Preszler Injury Lawyers today.