Port Hope Long-Term Disability Lawyer
For people living with a disability, juggling basic costs of living with necessary medical expenses can feel like an impossible balancing act, especially if they are unable to work because of their disabling medical condition. Without the regular income to which they have become accustomed, workers who can no longer perform the duties of their chosen occupation might struggle to continue supporting themselves and their loved ones.
However, many businesses provide their employees with group insurance plans that include coverage for long-term disability (LTD) benefits. People who cannot access LTD benefits through a group insurance plan offered by their employer may wish to purchase their own private policy independently.
LTD benefits usually provide recipients with between 60-70% of their regular wages when a serious injury, physical illness, or mental disorder makes it impossible to complete the tasks associated with their jobs. In order to qualify for LTD benefits, policyholders must have first used up all other benefits available to them, including short-term disability benefits and Employment Insurance (EI) sickness benefits. While the amount of monthly payments available to LTD benefits recipients will not reflect their total regular earnings and may be subject to payment caps (depending on the terms of their insurance policy), LTD benefits can be a crucial source of income and financial stability for people struggling to make their way through a challenging chapter of their lives.
Each insurance policy is different and might be subject to specific terms, conditions, and eligibility requirements. Certain medical conditions might be excluded from an insurance plan’s coverage. Oftentimes, people who have developed a disabling medical condition as a result of pre-existing conditions might not be entitled to receive LTD benefits.
Some common examples of medical conditions that might entitle a policyholder with an appropriate level of insurance coverage to collect LTD benefits include:
- Heart disease
- Back problems
- Chronic pain or complex regional pain syndrome (CRPS)
- Lupus or Lyme disease
- Psoriatic arthritis
- Bipolar mood disorder
- Post-traumatic stress disorder (PTSD)
- And possibly more
Unfortunately, for a variety of reasons– many of which can be difficult to understand– insurance providers may decide to deny an eligible policyholder’s claim for LTD benefits. When this happens, people who are legitimately unable to continue working because of a disabling medical condition might be left entirely out in the cold, with no access to the only source of stable income available to them. In these situations, people suffering from disabling medical conditions often struggle to make ends meet, and might develop legitimate financial anxieties.
Has your claim for LTD benefits been unfairly denied? If you should be entitled to receive LTD benefits payments because you have been diagnosed with a disabling medical condition but the funding you deserve has been withheld from you, our Port Hort long-term disability lawyers may be able to provide you with crucial legal assistance.
To learn more about how our long-term disability lawyers serving Port Hope may be able to help you overturn your insurance company’s unfair decision, contact us today.
Don’t Wait Until It’s Too Late – Call 1-800-JUSTICE Today
At Preszler Injury Lawyers, all prospective clients receive a free initial consultation to go over the details of their case with members of our legal team. By taking advantage of a cost-free, no-obligation first meeting with our Port Hope long-term disability lawyers, you will have the opportunity to receive personalized, case-specific legal advice and learn about options for various courses of action that might be available to you.
By working with our long-term disability lawyers serving Port Hope, you may be able to recover the maximum amount of compensation to which you are rightfully owed. To learn more, call 1-800-JUSTICE and schedule your free initial consultation.