Kitchener Long-Term Disability Lawyer
Life can be unpredictable. No one imagines that, one day, they might need to rely on their insurance provider to help them through a tumultuous and challenging chapter of their lives. But even the most cautious, health-conscious, stable person can have their lives suddenly turned upside down by a severe injury or a disabling physical or mental illness.
People who have received a diagnosis for a serious, debilitating medical issue often find it impossible to continue going about their day-to-day activities. As a result of their condition, they may no longer be able to continue carrying out the duties of their jobs. And when this happens, through no fault of their own, people suffering from disabling medical conditions could face monumental physical, emotional, and financial difficulties.
Insurance policies exist for this very reason. Certain people have access to insurance coverage through their employer’s group plan; others might pay monthly premiums privately to a policy they have purchased independently of their employer. If their insurance policy provides coverage for long-term disability (LTD) benefits, people who have been waylaid by an unexpected illness or injury might be able to access crucial financial support.
If an insurance policyholder’s newly acquired medical condition makes it impossible for them to carry out the tasks associated with their job, provided their insurance plan includes an adequate level of coverage, they might be entitled to apply for LTD benefits. These monthly income replacement payments do not reflect the entirety of a recipient’s regular earnings. Instead, LTD benefits provide recipients with between 60-70% of their normal income. Certain policies might also impose payment caps on the amount of benefits qualified policyholders are entitled to receive, which might limit the amount of their monthly benefits payments even further.
That said, for people who cannot continue earning their regular salaries or hourly wages because of circumstances outside of their control, LTD benefits are often a crucial source of stable income. In fact, for many eligible claimants, LTD benefits might be the only source of regular income available to help them make ends meet during a frightening and uncertain time.
The eligibility requirements for LTD benefits differ between insurance policies. Even policies sponsored by the same insurance provider might have different definitions of disability or other variable terms and conditions. That is why, before submitting an application for LTD benefits to your insurance company, it is prudent to review the details of your plan and make sure your medical condition entitles you to receive them. Certain medical conditions that might entitle a policyholder to receive LTD benefits include:
- Heart disease
- Back problems
- Chronic pain or complex regional pain syndrome (CRPS)
- Lupus or Lyme disease
- Psoriatic arthritis
- Bipolar mood disorder
- Post-traumatic stress disorder (PTSD)
- And possibly more
Unfortunately, even though eligible claimants might have compelling medical evidence proving that they suffer from a severe medical condition for which they have been receiving ongoing treatment, insurers might find reasons to deny their claims for LTD benefits. For people living with a disability who cannot work because of their medical conditions, being denied LTD benefits can be more than perplexing; it can be disheartening, upsetting, and legitimately frightening.
If your claim for LTD benefits was denied even though you should be entitled to receive them, our long-term disability lawyers serving Kitchener may be able to help you pursue legal action to overturn your insurance provider’s unfair decision and recover the payments you are rightfully owed. To learn more, contact us today and schedule a free initial consultation on your case.
Book Your Free Initial Consultation with Our Kitchener Long-Term Disability Lawyers
Our long-term disability lawyers serving Kitchener are familiar with the unfair tactics often used by insurance providers to withhold crucial funding from policyholders who, by all accounts, should be entitled to receive them. We fight on behalf of our clients’ best interests and have a history of helping mistreated members of the local community recover the payments they deserve.
To learn more about how our Kitchener long-term disability lawyers may be able to assist you, call Preszler Injury Lawyers today at 1-800-JUSTICE and take advantage of your free initial consultation.