Oakville Long-Term Disability Lawyer
There are many sources of stress and anxiety for people living with a disability, and many of them are related to financial matters. If you are unable to work because of your medical condition, receiving long-term disability (LTD) benefits might make all the difference between continuing to support yourself and falling into financial despair. Provided your insurance policy has the appropriate level of coverage through your employer’s group plan or a privately held insurance policy, if you have sustained a severe injury, developed a chronic illness, or have been diagnosed with a disabling condition related to your mental health, you might be entitled to LTD benefits.
Unfortunately, it can be hard to get LTD benefits. Different policies have different terms and conditions, as well as different eligibility requirements for claimants. Additionally, many policyholders’ claims are subjected to undue scrutiny and outright suspicion, especially if they are trying to recover LTD benefits for so-called “invisible” injuries or illnesses.
Claimants suffering from invisible injuries or illnesses may be in extreme pain and discomfort for extended periods of time, but since their symptoms are experienced subjectively and their severity cannot be observed through medical testing, they may be denied crucial support from their insurance provider. This can be extremely frustrating and disheartening for people suffering from legitimate medical complaints.
Some examples of invisible injuries or illnesses that are often unfairly dismissed by insurers include:
- Whiplash
- Soft tissue injuries
- Depression
- Anxiety
- Post-traumatic stress disorder (PTSD)
- Fibromyalgia
- Arthritis
- Chronic pain
- Traumatic brain injuries (TBIs)
- And more
Since invisible injuries or illnesses do not present objectively observable symptoms, insurers might deny an eligible claimant’s application for LTD benefits due to a lack of evidence. Moreover, even if an eligible policyholder receives LTD benefits payments for their disabling medical condition, after an arbitrarily determined period of time, their insurance provider might cut off their payments.
After two years of providing eligible recipients with LTD benefits, many insurance providers update their definition of the term “disability.” By doing so, they impose even more stringent limitations on people who are still unable to return to the duties of their job because of their severe medical condition.
If your insurance policy covers long-term disability and your LTD benefits were unfairly denied or terminated, schedule a free initial consultation with our long-term disability lawyers serving Oakville by calling 1-800-JUSTICE. By taking advantage of a free initial consultation with our Oakville long-term disability lawyers, you will have the opportunity to review the details of your case and receive personalized legal advice about options for financial recovery that might be available to you. There is no cost associated with this initial, no-obligation consultation.
Contact Preszler Injury Lawyers Today
If you are eligible to pursue action against your insurance provider, our long-term disability lawyers serving Oakville will not charge you a cent unless we win your case. We work on a contingency-fee basis, which means you will not have to worry about the financial cost of standing up for your rights. Instead, Preszler Injury Lawyers will focus on all aspects of your claim so that you can focus on your health and well-being.
To learn more about how our Oakville long-term disability lawyers may be able to assist you, contact us today.
