Kingston Long-Term Disability Lawyer

Whether you have sustained a severe injury, developed a chronic illness, or have been diagnosed with a disabling condition related to your mental health, provided your insurance policy has the appropriate level of coverage, you might be entitled to collect  long-term disability (LTD) benefits. LTD benefits might be included in your employer’s group insurance plan, or through another policy that you pay for independently. 

LTD benefits are designed to provide eligible claimants with between 60-70% of their regular earnings when they are no longer able to work because of a disabling medical condition. Different policies have different terms and conditions, as well as different eligibility requirements for claimants. Indeed, it can be hard to get LTD benefits. Unfortunately, this is often the case for policyholders trying to recover LTD benefits for so-called “invisible” injuries or illnesses.

Since “invisible” injuries or illnesses do not present objectively observable symptoms, insurers might deny an eligible claimant’s application for LTD benefits due to a lack of evidence. Some examples of invisible injuries or illnesses that are often unfairly dismissed by insurers include:

• Whiplash
• Soft tissue injuries
• Depression
• Anxiety
• Post-traumatic stress disorder (PTSD)
• Fibromyalgia 
• Arthritis
• Chronic pain
• Traumatic brain injuries (TBIs)
• And more

LTD claimants suffering from invisible injuries or illnesses may be in extreme pain and discomfort for extended periods of time, but since their symptoms are experienced subjectively and their severity cannot be observed through medical testing, they may be denied crucial support from their insurance provider.This can be extremely frustrating and disheartening for people suffering from legitimate medical complaints.  

Moreover, even if an eligible policyholder receives LTD benefits payments for their disabling medical condition, after an arbitrarily determined period of time, their insurance provider might cut off their payments. After two years of providing eligible recipients with LTD benefits, many insurance providers update their definition of the term “disability.” By doing so, they impose even more stringent limitations on people who are still unable to return to the duties of their job because of their severe medical condition. 

There are many sources of stress and anxiety for people living with a disability, and most of them are related to their finances. If you are unable to work because of your medical condition, receiving LTD benefits might make all the difference between continuing to support yourself and falling into financial despair. 

If your insurance policy covers long-term disability and your LTD benefits were unfairly denied or terminated, schedule a free initial consultation with our long-term disability lawyers serving Kingston by calling 1-800-JUSTICE.

Contact Preszler Injury Lawyers Today

By taking advantage of a free initial consultation with our Kingston long-term disability lawyers, you will have the opportunity to review the details of your case and receive personalized legal advice about options for financial recovery that might be available to you. There is no cost associated with this initial, no-obligation consultation.

Furthermore, if you are eligible to pursue action against your insurance provider, our long-term disability lawyers serving Kingston will not charge you a cent unless we win your case. We work on a contingency-fee basis, which means you will not have to worry about the financial cost of standing up for your rights. Instead, Preszler Injury Lawyers will focus on all aspects of your claim so that you can focus on your health and well-being.

To learn more about how our Kingston long-term disability lawyers may be able to assist you, contact us today.