Etobicoke Long-Term Disability Lawyer
Being severely injured or developing a chronic health condition could drastically affect your overall quality of life. Carrying out the basic duties of your job might become impossible. Affording exorbitant costs of medical care on top of your regular costs of living could feel like an insurmountable challenge. Worrying about how you will be able to continue supporting yourself and your family might cause you to suffer sleepless nights and legitimate financial anxieties.
Even with robust support systems, confronting the challenges of living with a disability can be one of life’s greatest difficulties. Those who can no longer work as a result of the medical condition they have developed often have very few options available.
However, if your insurance policy includes coverage for long-term disability (LTD) benefits, if you have developed a debilitating physical or mental illness or have been seriously injured and can no longer perform the tasks associated with your occupation because of your newly acquired condition, you might qualify for crucial funding. LTD coverage might be included in your insurance employer’s group insurance policy, or might be available to you through a private insurance plan for which you pay independently. LTD benefits typically provide recipients with between 60-70% of their regular earnings, monthly payments that can go a long way to re-establishing a disabled policyholder’s sense of financial stability.
In order to apply for LTD benefits, disabled workers whose insurance plans include adequate coverage should be able to prove that they have received an official diagnosis for their disabling medical condition, that they have been undergoing prolonged medical treatment for this condition, and that the condition makes it impossible for them to continue working in their current occupational field. To do so, claimants may be required to submit supplementary medical evidence to their insurer as part of their applications. Examples of evidence that might help eligible policyholders substantiate their claims 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)
- And more
Unfortunately, for a number of different reasons, insurance providers may decide to deny an applicant’s claim for LTD benefits. Even if a claimant provides compelling, thorough medical evidence proving the legitimacy and severity of their medical conditions and their impacts on their ability to continue working, insurers may determine that they are not, in fact, eligible to collect LTD benefits.
Receiving a denied claim for LTD benefits can be more than disheartening. For people with limited financial options struggling to cope with seemingly impossible circumstances, being denied access to their one source of financial security can be truly devastating.
Our long-term disability lawyers serving Etobicoke believe that eligible claimants with an appropriate level of insurance coverage should be able to receive the coverage they deserve without being subjected to unfair treatment. Certain insurance providers may feel emboldened to give eligible claimants the run-around because they know that the process of formally appealing an unfair decision can seem like an overwhelming, complicated, and expensive task.
However, with assistance from our Etobicoke long-term disability lawyers, policyholders who have been mistreated by their insurer may be able to recover the coverage they are rightfully owed. By working with our long-term disability lawyers serving Etobicoke, eligible claimants might be able to recover compensation for:
- Previously denied benefits
- Legal fees
- Damages resulting from the claim’s initial denial
- Punitive damages
- And possible more
To discuss your case with our Etobicoke long-term disability lawyers, schedule a free initial consultation by calling 1-800-JUSTICE today.
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Receive personalized legal advice from our long-term disability lawyers serving Etobicoke by taking advantage of a free initial consultation. There is no fee to receive this initial feedback on your case.
Our Etobicoke long-term disability lawyers have experience helping mistreated insurance policyholders recover the income replacement payments they are rightfully owed. To review the details of your case and learn how we may be able to provide you with assistance, contact Preszler Injury Lawyers today.