Collingwood Long-Term Disability Lawyer
Have you been diagnosed with a chronic illness, sustained a serious injury, or developed a severe mental health condition that prevents you from completing the duties of your job? If so, depending on your level of insurance coverage, you might be eligible to collect long-term disability (LTD) benefits.
Certain people have access to LTD benefits through their employer’s group insurance plan. Others may choose to pay monthly premiums into a privately held insurance plan if their employer’s coverage does not include disability.
The monthly LTD benefits payments available to eligible policyholders do not cover the total amount of wages lost by disabled employees as a result of their inability to perform the duties of their jobs. ILTD benefits generally provide recipients with between 60-70% of their normal earnings. Depending on the terms and conditions of the insurance policy, the benefits payments to which they might be entitled could even be subject to certain payment caps.
However, although LTD benefits only provide recipients with a portion of their normal earnings, these payments can be crucial sources of income for people who are living with a disability. Unable to collect the wages to which they have become accustomed and faced with newly acquired costs to cope with their medical conditions, disabled insurance policyholders often come to rely on the funding available to them through their insurance providers in order to continue supporting themselves and their families.
In order to qualify for LTD benefits, policyholders whose plans include adequate levels of coverage are usually required to submit substantiating medical evidence along with their applications. The supplementary evidence included in applications for LTD benefits should help illustrate that:
- The applicant has received an official diagnosis for a disabling medical condition
- The applicant has been receiving prolonged medical treatment for this condition
- The applicant’s condition requires them to undergo ongoing medical treatment
- As a direct result of their medical condition, the applicant is unable to perform the duties of their job
- And possibly more
Unfortunately, even after providing insurance companies with thorough, objective proof that their newly acquired medical condition prohibits them from completing the tasks associated with their occupations, benefits claimants may still be denied access to LTD benefits. Insurers frequently deny claims for LTD benefits for various reasons, most of which can be difficult to understand.
If your claim for LTD benefits was denied even though your medical condition should entitle you to receive them, our Collingwood long-term disability lawyers may be able to provide you with crucial legal assistance. By working with our long-term disability lawyers serving Collingwood, you may be able to recover compensation for:
- Benefits payments that have been previously withheld
- Legal fees
- Damages you have incurred as a result of your claim’s initial denial
- Punitive damages
- And possibly more
To learn about legal options for financial recovery that might be available to you, schedule a free initial consultation with our Collingwood long-term disability lawyers by calling 1-800-JUSTICE.
Contact Preszler Injury Lawyers Today
Few experiences are more discouraging and anxiety-inducing than learning that your insurance company will not provide you with the coverage you need to continue living your life when a disabling medical condition makes it impossible for you to earn your regular wages. If your claim for benefits was denied, call our long-term disability lawyers serving Collingwood for a free initial consultation on your case.
During this free initial consultation, you will have the opportunity to review the details of your case and receive personalized legal advice. To take advantage of your free initial consultation with our long-term disability lawyers serving Collingwood, contact Preszler Injury Lawyers today.