Georgina Long-Term Disability Lawyer
Long-term disability (LTD) benefits can provide eligible insurance policyholders with between 60-70% of their regular earnings when they cannot return to work after receiving a diagnosis for a disabling medical condition. These might include:
- Catastrophic injuries
- Chronic illnesses
- Severe mental health disorders
- Other medical conditions that prevent the policyholder from carrying out the duties of their job
Certain businesses offer their employees access to a group insurance plan with coverage for LTD benefits. People who do not have access to sufficient coverage through their employer’s insurance plan may decide to purchase their own private policy so that, in case they are unable to work as a result of a severe injury, physical illness, or mental disorder, they will be able to access the coverage they need to continue supporting themselves and their families.
Although LTD benefits recipients cannot collect the full amount of income to which they have become accustomed, the insurance coverage available to them can provide a degree of financial stability and a much-needed sense of security during a difficult and tumultuous time. These monthly income replacement payments can go a long way to helping people living with a disability make ends meet.
However, many claims for LTD benefits are turned down by insurance providers. When insurers deny the claims of people who should be entitled to receive benefits as a result of their medical conditions’ preventative impacts on their ability to carry out the tasks of their occupation, the payments to which policyholders should be entitled are withheld.
Often, insurers withhold payments to policyholders who submit LTD benefits claims for so-called “invisible” injuries or illnesses. The severity of “invisible” injuries or illnesses is subjective, meaning there is no metric or test to objectively observe its impacts on a patient. Since these conditions cannot be proven by analyzing the results of medical tests and their impact on a person’s ability to perform their jobs cannot be objectively measured, many policyholders who should be eligible to receive LTD benefits receive a denied claim.
If your claim for LTD benefits was denied by your insurance provider even though your medical condition makes it impossible for you to work, our Georgina long-term disability lawyers may be able to help you. Our long-term disability lawyers serving Georgina know the tactics often used by insurance companies to treat their policyholders unfairly and are passionate about helping members of the local community stand up for their rights.
To learn how our Georgina long-term disability lawyers might be able to assist with your case, book a free initial consultation with Preszler Injury Lawyers by calling 1-800-JUSTICE or contacting us online.
Receive a Free Initial Consultation By Calling 1-800-JUSTICE
Receiving a denied claim for LTD benefits can be more than disheartening. Denied policyholders who, through no fault of their own, are unable to continue working might face financial precariousness and develop legitimate anxieties over their abilities to continue supporting themselves and their families.
Our long-term disability lawyers serving Georgina are committed to helping the people we represent recover the compensation and fair treatment they are duly owed. To learn how Preszler Injury Lawyers may be able to assist you with your case, schedule a free initial consultation with our Georgina long-term disability lawyers today.