Brampton Long-Term Disability Lawyer
If you are no longer able to work because you have sustained a severe injury, developed a chronic illness, or have been diagnosed with a disabling mental health condition, provided you have the appropriate level of insurance coverage, you might be able to collect long-term disability (LTD) benefits. LTD benefits are designed to provide eligible insurance policyholders with income replacement payments when they are unable to perform the duties of their jobs because of a disabling medical condition.
Although eligibility requirements differ from policy to policy, you might qualify to receive LTD benefits if you have been diagnosed with a number of prolonged, severe medical conditions that make it impossible for you to carry out the duties of your occupation. Depending on the terms of your policy, these medical conditions could be related to both your physical and mental health, and might include:
- Heart disease
- Back problems
- Chronic pain or complex regional pain syndrome (CRPS)
- Lupus or Lyme disease
- Psoriatic arthritis or fibromyalgia
- Bipolar mood disorder
- Post-traumatic stress disorder (PTSD)
- And possibly more
Certain employers provide group insurance plans for their workers which might include coverage for LTD benefits. Other people may have access to disability coverage through a privately held insurance policy for which they pay premiums each month.
Provided your insurance plan includes coverage for LTD benefits, if you can no longer work because of your medical condition, you might be able to collect between 60-70% of your regular earnings in the form of monthly benefits payments. LTD benefits payments can provide much-needed financial security to people who, through no fault of their own, cannot continue making ends meet.
In order to qualify for LTD benefits, eligible claimants may first be required to use up all other benefits available to them, including short-term disability benefits and Employment Insurance (EI) sickness benefits. Applicants with qualifying medical conditions may also be required to provide medical evidence supporting their claims to their insurance providers. This evidence should prove that the claimant has been receiving prolonged, ongoing medical treatment for their condition and that, as a result of its associated symptoms, the claimant cannot complete their occupational tasks.
Unfortunately, even after submitting thorough evidence proving the severity of a policyholder’s medical condition and its preventative impacts on their ability to work, insurance providers may still determine that they are ineligible to collect LTD benefits. In fact, while insurance providers are not required to disclose exactly what percentage of claims for LTD benefits are denied across the country each year, it can be ascertained that more than half of all claims for LTD benefits are denied annually.
If your claim for LTD benefits was denied even though you cannot work because of your medical condition, schedule a free initial consultation with our Brampton long-term disability lawyers to learn about legal options for financial recovery that might be available to you.
Don’t Hesitate – Call Our Long-Term Disability Lawyers Serving Brampton Today
Our Brampton long-term disability lawyers provide personalized, case-specific legal advice to all prospective clients during a cost-free, no-obligation first meeting. If your claim for LTD benefits was denied, or if your disability payments were unfairly and prematurely terminated, our long-term disability lawyers serving Brampton may be able to fight your insurance provider on your behalf so you can recover the payments you are rightfully owed.
To learn more about how our Brampton long-term disability lawyers may be able to help you, contact us online today or book your free initial consultation by calling 1-800-JUSTICE.