Hawkesbury Long-Term Disability Lawyer
For people living with a recently acquired disability, it might no longer be possible to engage in activities they enjoyed before receiving a diagnosis for their disabling medical condition. Additionally, because of the symptoms of their physical or mental condition, completing the duties of their jobs might all of a sudden become an impossible task.
That is why some businesses provide their employees with group insurance plans that offer long-term disability (LTD) benefits to policyholders who can no longer complete their work-related duties. LTD benefits are not intended to replace an eligible policyholder’s entire regular salary. Instead, they typically provide between 60-70% of a recipient’s normal wages. Depending on the policy’s terms, that amount might be subject to certain payment caps.
You might have access to LTD benefits through your employer’s group insurance plan. If your employer’s insurance policy does not cover disability benefits, you might wish to purchase your own policy in case you sustain a catastrophic injury or develop a severe physical or mental illness that prevents you from carrying out the tasks of your occupation.
LTD benefits are an important source of income for insurance policyholders who cannot return to their places of work after receiving a life-changing medical diagnosis. However, not all claims for LTD benefits are approved by insurance providers. And even those who are fortunate enough to be awarded LTD benefits from their insurance provider without hassle often encounter issues after receiving income replacement payments after a number of months.
LTD benefits payments could be terminated well before a recipient reaches retirement age, even if their condition prevents them from continuing to work in their chosen occupational field. That is because many insurance providers reassess their LTD benefits recipients’ eligibility requirement in relation to stricter guidelines after two years of coverage. These insurance plans initially make LTD benefits available to policyholders who cannot perform the duties associated with their own occupation because of their debilitating medical condition. However, after two years, a benefits recipient must be able to prove that their condition prevents them from performing any occupation in order to continue receiving their regular monthly payments.
Some conditions might improve within a matter of months, but many do not. And even if the symptoms of a benefits recipient’s medical condition are so severe that they cannot return to their workplace, their crucial source of income could be withheld by their insurance provider.
Our Hawkesbury long-term disability lawyers are committed to helping the clients we represent fight against unfair treatment. If your claim for LTD benefits was unfairly denied, or if your payments were prematurely terminated without reason, our long-term disability lawyers serving Hawkesbury may be able to assist you. To learn more, schedule a free initial consultation with Preszler Injury Lawyers by calling 1-800-JUSTICE.
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If you are eligible to pursue legal action against your insurer, by working with our Hawkesbury long-term disability lawyers, you might be able to receive compensation for:
- Previously withheld benefits payments
- Damages incurred because of your claim’s initial denial
- Punitive damages
- Legal fees
- And possibly more
To discuss your case with our long-term disability lawyers serving Hawkesbury, take advantage of your free initial consultation by contacting us today.