Individuals who have sustained serious injuries or received a medical diagnosis that prohibits them from working may endure stress and anxiety as a result. Unfortunately, in Orillia, this stress can be exacerbated by a denied claim for long-term disability benefits.
If you believe your medical condition entitles you to collect benefits, but your claim was denied by your insurance company, an Orillia long-term disability claims lawyer may be able to help relieve some of the stress by pursuing legal action on your behalf.
Understanding the Claims Process
Both the definition of medical conditions constituting disabilities and the criteria required to collect long-term disability benefits varies between insurance companies. Generally speaking, though, in order to be eligible to receive long-term disability benefits, your insurance company may require you to be a current policyholder in good standing currently receiving medical treatment for a serious condition that prevents you from returning to work for a lengthy period of time.
Before completing your application, you may choose to work with an Orillia long-term disability claims lawyer who may be able to review your claim and help explain your insurance company’s eligibility criteria. A lawyer may also be able to direct you to medical professionals and vocational therapists who may be able to provide diagnostic records and medical evidence required to substantiate your claim for benefits.
Insurance companies may deny an individual’s long-term disability benefits claim for a number of reasons, including:
- Incomplete applications
- Unclear or inaccurate supporting medical evidence
- Claims submitted after a deadline
- And possibly more
If your long-term disability benefits claim was denied, a lawyer serving Orillia may be able to help you appeal the insurance company’s decision.
Collecting Long-Term Disability Benefits
After successfully appealing a denied claim, eligible individuals may begin collecting long-term disability benefits payments. According to the Financial Consumer Agency of Canada, most long-term disability policies typically replace between 60-70% of a recipient’s regular income.
Long-term disability benefits help compensate a recipient for income they are no longer able to earn because their medical condition prevents them from working. After issuing long-term disability benefits to a policyholder for an extended period of time, insurance providers may impose stricter conditions on the individual’s eligibility to continue collecting benefits. For example, if after a number of years, the insurance provider believes the claimant’s medical condition allows them to pursue a different kind of employment opportunity, they may cease issuing benefits payments.
In cases where an insurance company unfairly halts payments to an individual receiving benefits, an Orillia long-term disability claims lawyer may be able to help appeal the insurer’s decision, and present evidence to support claims for continued compensation.
Contact Preszler Injury Lawyers Today
If you require assistance with your claim for long-term disability benefits, Preszler Injury Lawyers may be able to assist you by:
- Making sure your application is complete and accurate
- Collecting supporting evidence and documentation
- Working with vocational experts who may support your claim
- Submitting any supporting documentation before mandated deadlines
- Appealing unfairly denied claims
- And possibly more
If you live or work in the Orillia area and could benefit from legal assistance with your claim for long-term disability benefits, call Preszler Injury Lawyers today at 1-800-JUSTICE for a free, initial consultation.