Courtice Disability Lawyer
No one plans to be seriously injured or to develop a disabling physical or mental illness. Unfortunately for some, circumstances outside of their control might prohibit them from engaging in the activities they once enjoyed or performing the tasks associated with their chosen profession.
People who are living with a disability experience a wide range of challenges. These daily struggles can be physical, emotional, and economic in nature. Many people who have sustained a disabling medical condition find it impossible to continue working because of their debilitating injuries or illnesses. And those who can no longer earn their regular wages might find themselves struggling to remain financially solvent.
However, some people’s employers offer group insurance plans that include coverage for long-term disability (LTD) benefits. Others may be able to access LTD benefits through a privately-held insurance policy for which they make monthly payments independently. Insurance policyholders with an appropriate level of coverage might be able to access LTD benefits if they cannot continue working due to their disabling medical conditions.
Eligibility requirements for LTD benefits differ between policies. However, some common conditions that might qualify an appropriately insured individual to receive monthly LTD benefits payments often 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
LTD benefits do not provide coverage for a disabled worker’s entire regular salary. Instead, they offer between 60-70% of their normal earnings when a severe medical condition makes it impossible for them to continue working. These benefits are not accessible to policyholders until after they have exhausted all other available benefits payments, including short-term disability benefits and Employment Insurance (EI) sickness benefits.
Sadly, even after using up all other benefits available to them and providing thorough, compelling medical evidence proving the severity of their medical conditions and their preventative impacts on their ability to carry out the daily tasks required of their positions, insurance providers can still find reasons to deny an eligible policyholder’s claim for LTD benefits. Additionally, even after being initially awarded LTD benefits, insurance companies can decide to prematurely terminate a recipient’s payments, even if their disabling medical condition persists.
If your claim for LTD benefits was turned down in spite of the fact that your injury or illness makes it impossible for you to work, our Courtice long-term disability lawyers may be able to help you overturn your insurer’s unfair decision. Furthermore, if your disability payments were terminated early, our long-term disability lawyers serving Courtice may be able to provide you with crucial legal assistance and advice.
By working with our Courtice long-term disability lawyers, unfairly treated insurance policyholders may be able to recover compensation for:
- Previously denied benefits payments
- Legal fees
- Damages you have incurred as a result of your claim’s initial denial
- Punitive damages
To learn more about how our long-term disability lawyers serving Courtice may be able to assist you, call 1-800-JUSTICE today to schedule a free initial consultation with Preszler Injury Lawyers.
Speak with Our Courtice Long-Term Disability Lawyers Today
At Preszler Injury Lawyers, all prospective clients receive a free initial consultation on their cases, during which they will have the opportunity to go over the circumstances of their situation and receive personalized legal advice tailored to the details of their case.
Standing up to a large, intimidating insurance company might seem like an impossible task, but with the help of our long-term disability lawyers serving Courtice, you might be able to recover the compensation you are rightfully owed. To learn more, contact us today and take advantage of your free initial consultation.