Kenora Long-Term Disability Lawyer
If you have been seriously injured, or have been diagnosed with a physical or mental disorder that makes it impossible for you to continue working in your occupational field and you have the right degree of insurance coverage, you might be eligible you might be able to collect monthly payments that replace between 60-70% of your normal wages. Long-term disability (LTD) benefits are intended to help eligible insurance policyholders when a disabling medical condition makes it impossible for them to continue carrying out the duties of their chosen occupation. LTD benefits might be available through your employer’s group insurance plan, or through a policy for which you pay monthly premiums independently.
In order to qualify for LTD benefits, eligible claimants may first be required to use up all other benefits available to them, including short-term disability benefits and Employment Insurance (EI) sickness benefits. Applicants with qualifying medical conditions may also be required to provide medical evidence supporting their claims to their insurance providers. This evidence should prove that the claimant has been receiving prolonged, ongoing medical treatment for their condition and that, as a result of its associated symptoms, the claimant cannot complete their occupational tasks.
Eligibility requirements for LTD benefits vary between insurance policies. However, if you have been diagnosed with a prolonged, severe medical condition that impedes your ability to complete the tasks associated with your job, you might qualify for LTD benefits coverage. Some examples of physical and mental conditions that often entitle policyholders to receive LTD benefits 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
Unfortunately, even after submitting thorough evidence proving the severity of a policyholder’s medical condition and its preventative impacts on their ability to work, insurance providers may still determine that they are ineligible to collect LTD benefits. In fact, while insurance providers are not required to disclose exactly what percentage of claims for LTD benefits are denied across the country each year, it can be ascertained that more than half of all claims for LTD benefits are denied annually.
Our Kenoria long-term disability lawyers have a history of helping unfairly denied insurance claimants in the region. If your claim for LTD benefits was denied even though you cannot work because of your medical condition, our long-term disability lawyers serving Kenora may be able to help you overturn your insurer’s unfair determination and help you recover the compensation you are owed. To learn more about how our Kenora long-term disability lawyers may be able to help you, contact us online today or book your free initial consultation by calling 1-800-JUSTICE.
Don’t Hesitate – Call Our Long-Term Disability Lawyers Serving Kenora Today
At Preszler Injury Lawyers, our long-term disability lawyers serving Kenora provide personalized, case-specific legal advice to all prospective clients during a cost-free, no-obligation first meeting. If your claim for LTD benefits was denied, our Kenora long-term disability lawyers may be able to fight your insurance provider on your behalf so you can recover the payments you are rightfully owed.
Schedule a free initial consultation with Preszler Injury Lawyers to learn about legal options for financial recovery that might be available to you.