London Disability Lawyer
Certain insurance plans include coverage for long-term disability (LTD) benefits. Policyholders whose insurance plans include this coverage might be eligible to submit a claim for LTD benefits after sustaining a serious injury, developing a chronic illness, or being diagnosed with a severe mental health disorder if their newly acquired medical condition makes it impossible for them to continue working.
In order for an eligible policyholder to apply for LTD benefits, they must first exhaust all other benefits available to them through their insurance plan. These might include short-term disability benefits or Employment Insurance (EI) sickness benefits.
LTD benefits are not designed to replace a recipient’s entire regular income. Instead, policyholders whose claims for LTD benefits have been approved receive between 60-70% of their normal earnings. These monthly payments provide a source of much-needed financial stability to people who cannot continue working because of the injury they have sustained or the illness they have developed.
Before submitting an application for LTD benefits, claimants must be able to prove that:
- They have received a diagnosis for a disabling medical condition
- They have received ongoing medical treatment for this condition
- Their condition requires them to continue seeking medical treatment
- Their medical condition makes it impossible for them to perform the specific duties of their job
- And possibly more
To substantiate their claims, applicants may be required to include a substantial amount of evidence, proving the severity of their medical condition and the preventative impact it has on their abilities to continue performing the duties of their jobs. Examples of evidence that might be useful to include in an application for LTD benefits include:
- Medical records
- Results of medical examinations
- Statements from attending physicians
- A detailed description of job duties
- A statement from plan sponsor (i.e. employer)
- Other documentation
However, even after providing insurance providers with a robust portfolio of substantiating evidence, eligible policyholders might not be granted the income replacement payments to which they should be rightfully entitled. Unfortunately, insurance providers often find reasons to deny applicants’ claims for LTD benefits, and these reasons are not always easy to comprehend.
Insurance companies are not legally required to share information about what percentage of LTD claims are denied across the country every year. But, by inspecting how many disability claims are annually turned down by the Canada Pension Plan (CPP), it can be presumed that more than half of all LTD claims submitted to Canadian insurance companies are initially denied.
If your claim for LTD benefits has been turned down and the payments you deserve have been withheld, you are not alone. And, even though everyone whose claim is denied by their insurer should have the chance to appeal their initial decision, standing up for your rights without the assistance of a London long-term disability lawyer can feel like an unwinnable fight.
Our long-term disability lawyers serving London pride ourselves in fighting on behalf of our clients’ best interests. To discuss your situation with our London long-term disability lawyers and receive personalized legal advice based on the unique circumstances of your case, contact Preszler Injury Lawyers today and receive a free initial consultation.
Call 1-800-JUSTICE for Your Free Initial Consultation
At Preszler Injury Lawyers, we know that the process of appealing a denied LTD benefits claim can seem complicated and confusing. Our London long-term disability lawyers leverage our decades of experience dealing with insurance companies to help our clients try and recover the maximum amount of damages owed to them.
To learn more about how our long-term disability lawyers serving London might be able to provide you with crucial legal assistance, call 1-800-JUSTICE and schedule your free initial consultation.