Milton Disability Lawyer
No one anticipates having to stop working in their chosen occupational field because of a severe injury or debilitating physical or mental illness. That is why many companies provide their employees with group insurance plans covering long-term disability (LTD) benefits, or why certain people may choose to purchase their own insurance policy independently of their employer. When the worst case scenario happens, insurance policyholders expect that the coverage for which they (or their employer) have paid monthly premiums will be made available to them readily, and without hassle.
That said, for a number of different reasons– many of which are perplexing and difficult to comprehend– insurance providers frequently deny eligible policyholders’ claims for LTD benefits. In fact, based on both anecdotal evidence and the number of Canada Pension Plan (CPP) disability claims that are denied each year, it can be ascertained that more than half of all LTD claims submitted across the nation are initially declined by insurance providers.
Unfortunately, if your claim for LTD benefits has been denied, there is not much solace in knowing that you are in the same situation as most claimants. Receiving a medical diagnosis for a disabling physical or mental condition can be one of the most challenging experiences a person might be forced to undergo throughout their entire lives. Without a secure, stable source of income, people who cannot continue working through no fault of their own might find themselves facing financial disaster.
Additionally, even applicants whose claims for LTD benefits have been approved might encounter difficulties with their insurance provider after receiving disability coverage for twenty-four months. After this arbitrarily determined length of time, many insurance providers update their definition of disability, disqualifying many LTD benefits recipients from continuing to receive their coverage.
This can happen when, after two-years, an insurance policy’s definition of disability is updated from “Own Occupation” to “Any Occupation.” In order to initially qualify for LTD benefits, eligible policyholders must be able to provide evidence proving that their medical condition makes it impossible for them to perform the duties of their own job. However, many insurance policies change this eligibility requirement after twenty-four months. In order to continue receiving their income replacement payments, benefits recipients must be able to prove that their medical condition prevents them from performing any job.
Many disabling medical conditions do not improve over the course of two years. Even though their insurance plan’s terms and conditions have changed, the severity of their medical conditions could very easily remain the same. LTD benefits recipients might still be unable to return to work in their occupational field, and yet their income replacement payments could be terminated, regardless.
At Preszler Injury Lawyers, our long-term disability lawyers serving Milton are passionate about helping the clients we represent navigate the often complicated and confusing process of appealing an insurance provider’s unfair decision. If your claim for LTD benefits was unfairly denied, or if your payments were terminated prematurely, our Milton long-term disability lawyers may be able to help you recover the compensation to which you are rightfully entitled. Oftentimes, this compensation includes payments for:
- Previously denied benefits payments
- Legal fees
- Damages incurred because the claim’s initial denial
- Punitive damages
- And possibly more
Call Our Milton Long-Term Disability Lawyers Today
By taking advantage of a free initial consultation with our long-term disability lawyers serving Milton, even if you are unsure whether you might be eligible to fight your insurer’s unfair decision, you will have the opportunity to review the circumstances of your case with Preszler Injury Lawyers and receive specific, personalized legal feedback about options that might be available to you at no cost whatsoever.
To book your free initial consultation, contact us online or call 1-800-JUSTICE today.