Kapuskasing Long-Term Disability Lawyer
After being diagnosed with a disabling medical condition, engaging in routine tasks could become an impossibility. For people living with a disability, everyday errands, actions, and objectives could seem like an insurmountable feat. And when a person’s chronic illness, catastrophic injury, or severe mental health issue makes it impossible to return to work, people who have recently acquired or developed a disabling medical condition could struggle to continue supporting themselves and their families financially.
However, some businesses provide their employees with group insurance plans covering long-term disability (LTD) benefits. LTD benefits can help seriously injured or ill policyholders who can no longer complete their work-related duties as a result of sustaining a disabling medical condition. If your employer’s insurance plan does not provide sufficient coverage, you might wish to purchase your own policy to supplement your available benefits in case you sustain an unexpected injury or develop a chronic illness.
During a time of great need, receiving LTD benefits can be critical. LTD benefits typically provide between 60-70% of a recipient’s normal wages, an amount that could make all the difference between financial stability and insolvency.
However, not all claims for LTD benefits are approved by insurance providers. In fact, it can be ascertained that, each year, more than half of the country’s claims for LTD benefits are routinely denied by insurance companies.
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.
Many insurance providers reassess their LTD benefits recipients’ eligibility requirement in relation to stricter guidelines after two years of coverage. This can happen if the policy’s definition of what constitutes a disability changes after twenty-four months, as many do. 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.
While some conditions might improve within a matter of months, 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.
If your claim for LTD benefits was unfairly denied, or if your payments were prematurely terminated without reason, our long-term disability lawyers serving Kapuskasing may be able to assist you. If you are eligible to pursue legal action against your insurer, by working with our Kapuskasing 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
Book Your Free Initial Consultation Today
Our Kapuskasing long-term disability lawyers are committed to helping the clients we represent fight against unfair treatment. To discuss your case with our long-term disability lawyers serving Kapuskasing, take advantage of your free initial consultation by contacting us today.
To learn more, schedule a free initial consultation with Preszler Injury Lawyers by calling 1-800-JUSTICE.