Orillia Long-Term Disability Lawyer
If you have been severely injured in an accident or have developed a chronic physical or mental illness, depending on your level of insurance coverage, you might be able to access long-term disability (LTD) benefits if your condition makes it impossible for you to continue working. LTD benefits provide between 60-70% of a recipient’s regular income to help them through this challenging moment in their lives.
Unfortunately, even if you provide your insurance company with sufficient medical evidence proving the severity of your medical condition and the preventative impact it has on your ability to complete the duties of your job, it might be hard to get the benefits you are rightfully owed. That is because insurance companies frequently look for reasons to deny the LTD benefits claims of even eligible policyholders in good standing.
In order to apply for LTD benefits, eligible insurance policyholders with a sufficient level of coverage must be able to prove that:
- They have received a diagnosis for a disabling medical condition
- They have received ongoing medical treatment for this condition
- Their condition requires them to continue seeking medical treatment
- Their medical condition makes it impossible for them to perform the specific duties of their job
- And possibly more
To do so, they are generally required to supply their insurance companies with thorough, compelling medical evidence proving that their medical condition makes it impossible for them to complete the tasks required of their job. Some evidence they might be required to supply includes:
- Medical records
- Results of medical examinations
- Statements from attending physicians
- A detailed description of job duties
- A statement from plan sponsor (i.e. employer)
- Other documentation
But even after providing their insurer with a robust, exhaustive portfolio of objective medical evidence substantiating their claims, insurance companies might still deny the applicant’s claim for LTD benefits. For people living with a disability struggling to support themselves and their families, receiving a denied claim for LTD benefits can be more than disheartening; it can create legitimate financial anxieties. Unable to return to work and unable to make ends meet, denied LTD benefits claimants could find themselves in disastrous financial circumstances.
Even though all policyholders whose claims for LTD benefits have been denied should have the opportunity to appeal their insurer’s decision, standing up to a large, monolithic insurance company can seem like a daunting task. Without proper assistance, standing up for your rights and the payments you deserve can feel like an insurmountable challenge, especially while coping with a disabling medical condition.
If your claim for LTD benefits was denied even though your medical condition should entitle you to receive them, our Orillia long-term disability lawyers may be able to provide you with crucial legal assistance. By working with our long-term disability lawyers serving Orillia, you may be able to recover compensation for:
- Benefits payments that have been previously withheld
- Legal fees
- Damages you have incurred as a result of your claim’s initial denial
- Punitive damages
- And possibly more
To learn about legal options for financial recovery that might be available to you, contact us online or schedule a free initial consultation with our Orillia long-term disability lawyers by calling 1-800-JUSTICE.
Don’t Hesitate – Call Our Long-Term Disability Lawyers Serving Orillia Today
There is no fee to take advantage of an initial, no-obligation consultation with our Orillia long-term disability lawyers. On top of that, if you are eligible to pursue legal action, you will not be required to pay for our services unless we win your case.
To take advantage of your free initial consultation with our long-term disability lawyers serving Orillia, contact Preszler Injury Lawyers today.