Napanee Disability Lawyer
Have you been diagnosed with a medical condition that makes it impossible to continue working? Depending on your level of insurance coverage, if you have developed a chronic physical or mental illness or have sustained a severe injury that prevents you from carrying out the tasks of your job, you might qualify for long-term disability (LTD) benefits.
Unfortunately, LTD benefits can be hard to get, even for insurance policyholders who meet their plan’s eligibility requirements. Insurance companies often find reasons to deny applicants’ claims for LTD benefits, even though their newly acquired medical conditions might prohibit them from completing the tasks associated with their chosen occupation.
Insurance providers often deny claims for LTD benefits because:
- Insufficient supporting medical evidence was included in the application
- Claim was filed late, past requisite deadlines
- There is no objective evidence of disability (often the case with “invisible” injuries or illnesses)
- 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
LTD benefits provide a sense of security and a practical degree of financial stability to policyholders who, through no fault of their own, are not able to work because of the injuries they have sustained or illnesses they have developed. Typically, insurers provide LTD benefits recipients with between 60-70% of their regular earnings to help keep them financially solvent during an extremely challenging moment in their lives. While coping with a chronic illness or debilitating injury, people living with a disability often struggle to afford their regular costs of living on top of the expenses related to their necessary medical treatment and care. Without access to the LTD benefits to which they should be entitled, policyholders whose claims have been denied may find themselves in truly frightening financial circumstances.
Although policyholders whose claims have been denied should have the opportunity to appeal their insurer’s unfair decision, it is easy to feel intimidated by the prospect of standing up to a large insurance company. However, by working with long-term disability lawyers serving Napanee, mistreated insurance policyholders may be able to recover the money they are rightfully owed. If you are eligible to fight your insurance provider’s unfair determination, our Napanee long-term disability lawyers may be able to help you recover compensation for:
- Previously denied benefits
- Legal fees
- Damages incurred as a result of your claim’s initial denial
- Punitive damages
- And possibly more
To learn more about how our long-term disability lawyers serving Napanee may be able to help with your case, call Preszler Injury Lawyers at 1-800-JUSTICE and schedule a free initial consultation.
Contact Our Napanee Long-Term Disability Lawyers Today
Our long-term disability lawyers serving Napanee are committed to providing members of the local community with crucial legal assistance in their fights for fair treatment. If your claim for LTD benefits has been denied even though your medical condition makes it impossible for you to continue working, contact us today and receive a free initial consultation about legal options that might be available to you.
To schedule your cost-free, no-obligation first meeting with our Napanee long-term disability lawyers, call 1-800-JUSTICE.