MIssissauga Long-Term Disability Lawyer
Have you been diagnosed with a disabling medical condition that prevents you from performing the duties of your job? If you have been seriously injured, or have been diagnosed with a physical or mental disorder that makes it impossible for you to continue working in your occupational field, if you have the right degree of insurance coverage, you might be eligible for long-term disability (LTD) benefits.
Some insurance policyholders may be able to access LTD benefits coverage through their employer’s group plan, while others might pay for their own private policy with sufficient coverage. Provided your insurance plan includes coverage for LTD benefits, if you can no longer work because of your medical condition, you might be able to collect monthly payments that replace between 60-70% of your normal wages. Depending on the terms of your insurance policy, these payments may be subject to certain caps or maximum monthly amounts.
Eligibility requirements for LTD benefits vary between insurance policies. However, if you have been diagnosed with a prolonged, severe medical condition that impedes your ability to complete the tasks associated with your job, you might qualify for LTD benefits coverage. Some examples of physical and mental conditions that often entitle policyholders to receive LTD benefits include:
- Heart disease
- Back problems
- Chronic pain or complex regional pain syndrome (CRPS)
- Lupus or Lyme disease
- Psoriatic arthritis or fibromyalgia
- Bipolar mood disorder
- Post-traumatic stress disorder (PTSD)
- And possibly more
In order to qualify for LTD benefits, eligible claimants may first be required to use up all other benefits available to them, including short-term disability benefits and Employment Insurance (EI) sickness benefits. Applicants with qualifying medical conditions may also be required to provide medical evidence supporting their claims to their insurance providers. This evidence should prove that the claimant has been receiving prolonged, ongoing medical treatment for their condition and that, as a result of its associated symptoms, the claimant cannot complete their occupational tasks.
Unfortunately, even after submitting thorough evidence proving the severity of a policyholder’s medical condition and its preventative impacts on their ability to work, insurance providers may still determine that they are ineligible to collect LTD benefits. In fact, while insurance providers are not required to disclose exactly what percentage of claims for LTD benefits are denied across the country each year, it can be ascertained that more than half of all claims for LTD benefits are denied annually.
If your claim for LTD benefits was denied even though you cannot work because of your medical condition, schedule a free initial consultation with our Mississauga long-term disability lawyers to learn about legal options for financial recovery that might be available to you.
Don’t Hesitate – Call Our Long-Term Disability Lawyers Serving Mississauga Today
Our Mississauga long-term disability lawyers provide personalized, case-specific legal advice to all prospective clients during a cost-free, no-obligation first meeting. If your claim for LTD benefits was denied, or if your disability payments were unfairly and prematurely terminated, our long-term disability lawyers serving Mississauga may be able to fight your insurance provider on your behalf so you can recover the payments you are rightfully owed.
To learn more about how our Mississauga long-term disability lawyers may be able to help you, contact us online today or book your free initial consultation by calling 1-800-JUSTICE.