Sudbury Long-Term Disability Lawyer
Depending on your level of insurance coverage, if you have sustained a severe injury that prevents you from working, or if you have developed a physical or mental illness that makes it impossible for you to carry out the duties of your job, you might be eligible to collect long-term disability (LTD) benefits. You may be able to access LTD benefits through your employer’s group insurance plan, or through a private insurance policy you pay for privately.
If you are eligible to collect LTD benefits, the monthly payments you receive will not cover the total amount of wages you have lost as a result of being unable to work. Instead, LTD benefits typically replace between 60-70% of a recipient’s regular wages, and might even be subject to certain payment caps, depending on the terms and conditions of your insurance policy. While LTD benefits only provide recipients with a portion of their normal earnings, these payments can be crucial sources of income for people who are living with a disability.
Policyholders filing claims for LTD benefits must first exhaust all other benefits available to them. These might include short-term disability benefits as well as Employment Insurance (EI) sickness benefits. Furthermore, in order to qualify for LTD benefits, policyholders whose plans include adequate levels of coverage are usually required to submit substantiating medical evidence along with their applications. The supplementary evidence you include in your application should be able to prove that:
- You have received an official diagnosis for a disabling medical condition
- You have been receiving prolonged medical treatment for this condition
- Your condition requires you to undergo ongoing medical treatment
- As a direct result of your medical condition, you are unable to perform the duties of your job
- And possibly more
Unfortunately, even if you are able to provide your insurance company with thorough, objective proof that your newly acquired medical condition prohibits you from completing the tasks associated with your occupation, your insurance provider may still decide to deny your claim for LTD benefits. Few experiences are more discouraging and anxiety-inducing than learning that your insurance company will not provide you with the coverage you need to continue living your life when a disabling medical condition makes it impossible for you to earn your regular wages.
If your claim for LTD benefits was denied even though your medical condition should entitle you to receive them, our Sudbury long-term disability lawyers may be able to provide you with crucial legal assistance. By working with our long-term disability lawyers serving Sudbury, you may be able to recover compensation for:
- Benefits payments that have been previously withheld
- Legal fees
- Damages you have incurred as a result of your claim’s initial denial
- Punitive damages
- And possibly more
To learn about legal options for financial recovery that might be available to you, schedule a free initial consultation with our Sudbury long-term disability lawyers by calling 1-800-JUSTICE.
Contact Preszler Injury Lawyers Today
Our long-term disability lawyers serving Sudbury offer all prospective clients a cost-free, no-obligation first meeting. During this free initial consultation, you will have the opportunity to review the details of your case and receive personalized legal advice.
To take advantage of your free initial consultation with our long-term disability lawyers serving Sudbury, contact Preszler Injury Lawyers today.