Navigating the process of filing a long-term disability claim can be challenging even in the best of health. For individuals suffering from severe injuries or illnesses, the effort required to complete a claim can be overwhelming.
Even when eligible claimants manage to complete a thorough and accurate application for long-term disability benefits, an insurance company may deny their claim for any number of reasons. If you believe your medical condition should entitle you to compensation through your insurance policy but your benefits claim was denied, a Cambridge long-term disability claims lawyer may be able to provide you with useful assistance or advice.
Determining Eligibility for Long-Term Disability Benefits
Although eligibility requirements vary between insurance companies, generally speaking, in order to receive long-term disability benefits, a claimant must meet the following criteria:
- The claimant must be a current insurance policyholder in good standing
- The claimant must have received a diagnosis for a serious medical condition
- The claimant’s medical condition prohibits them from performing the duties of their current job or occupation
- The claimant’s prognosis includes a recovery period of at least 12 months
Before completing your application for benefits, a Cambridge long-term disability claims lawyer may be able to review your policy and help explain the specific details of your coverage. If your medical condition prohibits you from thoroughly and accurately completing your application, a lawyer may also be able to help you collect and organize evidence to support your claim for benefits.
Understanding the Claims Process
An insurance company may deny a claimant’s application for long-term disability benefits for a number of reasons, including:
- Incomplete applications
- Unclear or inaccurate medical documentation
- Claims submitted past mandated filing deadlines
- And possibly more
If your long-term disability benefits claim was denied, a lawyer serving Cambridge may be able to help you appeal the insurance company’s decision.
Collecting Long-Term Disability Benefits
A Cambridge long-term disability claims lawyer may be able to help their clients provide additional or missing evidence to resolve queries that resulted in a denied claim.
After successfully appealing an unfairly denied claim, eligible individuals may begin collecting long-term disability benefits payments. According to the Financial Consumer Agency of Canada, most long-term disability policies typically replace between 60-70% of a recipient’s regular income.
Long-term disability benefits provide recipients with remuneration for portions of their regular salaries when their medical condition prevents them from working. After issuing long-term disability benefits to a policyholder for an extended period of time, insurance providers may reassess a recipient’s claim. For example, after a few years have passed, the insurance provider may believe the recipient’s medical condition allows them to pursue a different kind of employment opportunity. In those cases, they may stop issuing payments to the recipient of the benefits.
In cases where an insurance company unfairly stops payments to an individual receiving benefits, a Cambridge long-term disability claims lawyer may be able to present evidence to support claims for continued compensation.
Contact Preszler Injury Lawyers Today
If you require assistance with your claim for long-term disability benefits, Preszler Injury Lawyers may be able to assist you by:
- Making sure your application is complete and accurate
- Collecting supporting evidence and documentation
- Working with vocational experts who may support your claim
- Submitting any supporting documentation before mandated deadlines
- Appealing unfairly denied claims
If you live in Cambridge and a medical condition prevents you from returning to work, a lawyer serving the region may be able to assist you with your claim for long-term disability benefits. Call Preszler Injury Lawyers today at 1-800-JUSTICE for a free, initial consultation.