If you have an injury or medical condition that you believe qualifies you to receive long-term disability benefits based on your policy, you may be surprised when the insurance company refuses to pay. You may be able to appeal the insurer’s decision and recover the compensation described in your insurance policy but the appeal process is often drawn out and leads to the same outcome, a denial.
A disability lawyer serving Stirling with Preszler Injury Lawyers may be able to help you fight to recover the compensation you deserve. Our team may be able to help you understand your policy and how your current condition fits into this policy. If your injuries or illness prevents you from travelling to our office, we may be able to meet you at your home or a neutral location in Stirling.
Call 1-800-JUSTICE today to learn more about how we may be able to help.
Our disability lawyers can meet with you in Stirling for a free initial consultation. Call 1-877-573-3563
Your Medical Condition, Illness, or Injury May Qualify You for Stirling Long-Term Disability Compensation
There is a wide variety of conditions that qualify as a long-term disability. Some of those injuries may include:
- Arthritis and other joint concerns
- Heart disease, stroke, and other cardiovascular conditions
- Certain mental health problems
- Back injuries
- Joint injuries
- Traumatic brain injuries
- Spinal cord injuries
- Chronic pain
Some policies may include exclusions for certain conditions, especially if they relate to a pre-existing condition. A careful review of your long-term disability insurance policy may help you understand if you should qualify for benefits.
Let a disability lawyer serving Stirling review your policy and your options for recovering compensation. At Preszler Injury Lawyers, we may be able to help you build a case and file your appeal if you qualify to do so. Call 1-800-JUSTICE now to get started.
Stirling Disability Lawyer Near Me 1-877-573-3563
A Disability Lawyer From Preszler Injury Lawyers May Be Able to Help You Build an Appeal
A disability lawyer serving Stirling may be able to review your long-term disability insurance policy and help you understand your coverage. If the lawyer believes your current condition qualifies you for compensation based on your policy, they may be able to help you build an appeal and take action to try to recover your benefits.
Your advocate from Preszler Injury Lawyers may be able to deal with the insurance company, navigate the appeal process on your behalf, or commence a lawsuit and help you secure the benefits you deserve based on your policy. We may be able to help you:
- Get approved after a denial
- Get your benefits reinstated
- Obtain a lump sum settlement
After your case review, if we believe you qualify for disability benefits based on your policy, we will accept your retainer and go to work on your case. We will begin to build your case and file a lawsuit. This service may require us to take steps that include obtaining and analysing copies of your medical records and sending a notice letter that allows us to obtain your complete file from the insurer.
As long as you meet the eligibility requirements, we may be able to navigate the appeals process on your behalf. Call 1-800-JUSTICE today to learn more.
Understanding Compensation Available Through Long-Term Disability
The benefits available through long-term disability insurance may vary depending on the specific details of the plan you chose. Most disability insurance policies replace a portion of your regular income, sometimes between 60 and 85%. These benefits often have a maximum benefit cap that applies to your payments regardless of the percentage of your income that it covers.
Most plans also have some type of time limit, which for many plans is two years for your current job. If you are unable to work at your previous job, you may be eligible for disability payments for up to two years. After this time, you may only continue receiving benefits if your medical condition prevents you from working any job but this benefit may be available up to the age of 65.
Our Lawyers May Be Able to Explain the Specifics of Your Policy
At Preszler Injury Lawyers, our team may be able to help you understand the compensation you are eligible to receive based on your medical condition and the specific details of your long-term disability insurance policy. Call 1-800-JUSTICE for a free initial consultation of your case with a member of our team.
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There Are Deadlines You Must Meet When Appealing a Stirling Disability Denial
How long you have to appeal a denial or commence a lawsuit depends on the stipulations in your policy. Generally, you have two years from the date they issue your denial to pursue a lawsuit although we recommend filing it in advance of the one year mark.
We recommend acting quickly, even if the insurer gives you two years to take action. Reach out to us today to let us take a look at your long-term disability policy and determine your rights.
Talk to a Disability Lawyer Serving Stirling Today
If you paid your premiums for long-term disability insurance, you expect the insurer to grant you the compensation you are entitled to when an injury or illness prevents you from working. Unfortunately, this may not always happen. As the Journal of Law and Social Policy reports, too many Canadians are not seeing the full benefits of their disability coverage.
If your disability insurer denied you compensation, you may be able to appeal their decision. At Preszler Injury Lawyers, one of our disability lawyers serving Stirling may be able to help you build your case increasing your chances of success.
Call 1-800-JUSTICE today to discuss your case with a member of our team. We may be able to meet with you in Stirling if your condition prevents you from travelling to us.