Markham Long-Term Disability Lawyer
If you have been severely injured or have developed a disabling physical or mental illness that makes it impossible for you to perform the duties of your job, you might be experiencing legitimate financial anxieties. For people living with a disability, being unable to continue working in their chosen occupational field can be stressful, demoralizing, and frightening. Without access to the same level of income to which you had become accustomed, affording your regular costs of living in addition to expenses related to your newly acquired medical condition can feel like an insurmountable challenge.
Depending on your level of insurance coverage, if the symptoms of your medical condition prevent you from carrying out the duties of your job, you might be eligible for long-term disability (LTD) benefits. Your employer’s group insurance plan might include coverage for LTD benefits, or they might be available as part of an insurance policy you pay for privately.
LTD benefits typically provide recipients with between 60-70% of their regular earnings, however, based on the terms and conditions of your individual policy, the monthly income replacement payments available to you might be subject to certain caps. That said, during a prolonged and difficult battle with a severe injury or illness, LTD benefits can provide a stable source of income and genuine sense of security.
The process of applying for LTD benefits is not always simple or straightforward. In fact, many claimants face an exceptional degree of scrutiny from their insurance providers, and even outright disbelief. Unfortunately, this is often the case for policyholders trying to recover LTD benefits for so-called “invisible” injuries or illnesses.
Some examples of invisible injuries or illnesses that are often unfairly dismissed by insurers include:
- Depression
- Anxiety
- Chronic pain or complex regional pain syndrome (CRPS)
- Post-traumatic stress disorder (PTSD)
- Fibromyalgia
- Arthritis
- And more
Along with their claims for LTD benefits, applicants are generally required to include a thorough roster of evidence proving that they have been diagnosed with a debilitating medical condition, that they have been receiving prolonged and ongoing treatment for it, and that their ability to complete their jobs has been jeopardized because of their condition’s symptoms. However, since “invisible” injuries do not manifest themselves with symptoms that can be objectively measured or observed, claimants seeking LTD benefits to cope with them might need to go to great lengths to secure the payments to which they should be entitled.
Claimants suffering from “invisible” injuries or illnesses are not the only insurance policyholders whose claims for LTD benefits are denied. Insurance providers often turn down claims and withhold payments for a number of reasons, including:
- Insufficient supporting medical evidence was included in the application
- Claim was filed late, past requisite deadlines
- The medical condition does not meet the insurance policy’s definition of “disability”
- The policy includes contractual stipulations (often excluding pre-existing conditions) that disqualify a claimant’s application
- The claimant refused to undergo an independent medical examination (IME)
- And more
If your insurance provider denied your claim for LTD benefits even though your medical condition should entitle you to receive them, do not hesitate. Book a free initial consultation with our Markham long-term disability lawyers today by calling 1-800-JUSTICE.
Speak with Our Long-Term Disability Lawyers Serving Markham
Our Markham long-term disability lawyers appreciate how overwhelming and discouraging it can be to receive a denied claim for LTD benefits. During a free initial consultation with our long-term disability lawyers serving Markham, you will have the opportunity to review the circumstances of your case and learn about options that might be available to you. If you are eligible, by working with our Markham long-term disability lawyers, you might be able to recover your previously denied benefits payments, damages you have incurred because of your claim’s initial denial, and possibly more.
To schedule your free initial consultation with our long-term disability lawyers serving Markham, contact Preszler Injury Lawyers.
