Sault Ste. Marie Long-Term Disability Lawyer
Certain people have access to long-term disability (LTD) benefits through their employer’s group insurance plan or through a policy that they themselves pay for privately. Not all insurance policies cover LTD benefits, however, those who are adequately insured may be able to access these monthly income replacement payments if they have developed a disabling medical condition that prevents them from completing the tasks associated with their jobs.
LTD benefits typically provide recipients with between 60-70% of their regular wages. Depending on the terms of individual insurance policies, this payment amount might be subject to certain funding caps. Unsalaried, hourly employees whose insurance coverage includes LTD benefits might receive a payment assessment based on their average regular earnings, rather than the highest amount they might make in a week.
While the monthly payments available to LTD benefits recipients will most certainly not cover their total regular earnings, disability benefits can be a life-saver. Many disabled residents of Sault Ste. Marie rely on LTD benefits payments to continue supporting themselves and their loved ones. Indeed, when unable to continue working and earning the wages to which they had become accustomed, LTD benefits can be a vital source of income
Unfortunately, for a number of different reasons, insurance companies may see it fit to deny an applicant’s claim for LTD benefits. Insurance providers could even withhold payments after receiving thorough proof from claimants that illustrates the preventative effect their medical condition has on their ability to carry out the tasks associated with their jobs.
Insurance providers often find ways to justify denying claims for LTD benefits. Some common reasons given to denied applicants include:
- Insufficient supporting medical evidence was included in the application
- Claim was filed late, past requisite deadlines
- There 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
If your claim for LTD benefits was denied even though your medical condition makes it impossible for you to continue working, our Sault Ste. Marie long-term disability lawyers may be able to help you fight your insurer’s unfair decision. To learn more about courses of legal action that might be available to you, schedule a free initial consultation with our long-term disability lawyer serving Sault Ste. Marie today.
When you take advantage of your free initial consultation with our long-term disability lawyers serving Sault Ste. Marie, you will have the opportunity to discuss the impact your condition has on your ability to perform your job, ask questions about why your claim was denied, and review options you may be able to undertake in order to get the payments you deserve.
Call 1-800-JUSTICE to Speak with Our Sault Ste. Marie Long-Term Disability Lawyers
People living with a disability are often faced with difficult decisions. If your disability makes it impossible for you to continue working in your chosen occupational field, you might not be able to afford both your regular costs of living and the new expenses you have incurred as a result of sustaining or developing a disabling medical condition. That is why receiving a denied claim for LTD benefits can be so frightening, and so vexing.
By working with our long-term disability lawyers serving Sault Ste. Marie, you may be able to overturn your insurer’s unfair decision. To review your case with our Sault Ste. Marie long-term disability lawyers and receive personalized, case-specific advice, call 1-800-JUSTICE to contact Preszler Injury Lawyers today.