St. Catharines Long-Term Disability Claims Lawyer
No one is ever truly prepared for the worst case scenario. Injury-causing accidents can happen out of nowhere, regardless of how safety-conscious and attentive you are. And even people with healthy lifestyles can develop chronic illnesses or debilitating mental health disorders. When the unexpected happens and a newly acquired medical condition makes it impossible for patients to continue carrying out the duties of their jobs, the financial consequences could be disastrous.
That said, depending on their available insurance coverage, certain people who can no longer work because of a severe injury, illness, or mental health disorder may be able to qualify for long-term disability (LTD) benefits. The employees of certain businesses might be able to access LTD benefits through their employer’s group insurance plan. Others may wish to pay for an insurance policy independently of their employer, and might be able to access LTD benefits through their private insurance plan.
LTD benefits typically provide recipients with between 60-70% of their regular earnings. These monthly payments offer a source of stability to policyholders who, through no fault of their own, cannot continue to bring home their normal wages. LTD benefits might be the only source of income available to certain people living with a disability, and could provide crucial financial support while they are unable to return to their workplaces.
Unfortunately, not all claims for LTD benefits are initially approved by insurance providers. In fact, insurance companies might decide to deny an applicant’s claim for LTD benefits even if they provide their insurer with medical evidence that sufficiently illustrates the severity of their medical condition and its inhibiting effects on their ability to perform the duties of their job.
Insurers may decide to deny an applicant’s claim for LTD benefits for a number of reasons, including:
- Insufficient supporting medical evidence was included in the application
- Claim was filed late, past requisite deadlines
- There is 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
Our long-term disability lawyers serving St. Catharines believe that eligible claimants with an appropriate level of insurance coverage should be able to receive the coverage they deserve without being subjected to unfair treatment. With assistance from our St. Catharines long-term disability lawyers, policyholders who have been mistreated by their insurer may be able to recover the coverage they are rightfully owed. By working with our long-term disability lawyers serving St. Catharines, eligible claimants might be able to recover compensation for:
- Previously denied benefits
- Legal fees
- Damages resulting from the claim’s initial denial
- Punitive damages
- And possible more
To discuss your case with our St. Catharines long-term disability lawyers, contact Preszler Injury Lawyers today.
Call 1-800-JUSTICE and Receive a Free Initial Consultation
Our St. Catharines long-term disability lawyers have experience helping mistreated insurance policyholders recover the income replacement payments they are rightfully owed. By taking advantage of a free initial consultation with our long-term disability lawyers serving St. Catharines, you can receive personalized feedback on your case for absolutely no charge.
To discuss options for financial recovery that might be available to you, call 1-800-JUSTICE and speak with our St. Catharines long-term disability lawyers today.