Thunder Bay Long-Term Disability Lawyer
For people living with a disability, the day-to-day reality of coping with their debilitating medical condition can be stressful, demoralizing, and frightening, especially if they are no longer able to continue working at their jobs. Unable to earn their regular incomes as a result of circumstances completely out of their control, people with disabling medical conditions might struggle to afford their necessary costs of living in addition to expenses essential to their medical care.
However, people with sufficient insurance coverage might be able to access long-term disability (LTD) benefits if their injury, physical illness, or mental health disorder makes it impossible for them to carry out the tasks of their jobs. LTD benefits might be available as part of an employer’s group insurance plan, or included in a private policy paid for by individual insurance policyholders independently of their employer.
Although LTD benefits should be readily available to insurance policyholders with the appropriate level of coverage who cannot continue working because of the disabling medical conditions they have developed or sustained, unfortunately, LTD benefits can be hard to get. In fact, certain claims for LTD benefits are met with an exceptional level of undue suspicion, or outright disbelief. This is almost always the case for policyholders attempting to recover LTD benefits for so-called “invisible” injuries or illnesses.
The severity of “invisible” injuries or illnesses cannot be measured using objective medical tests or examinations. In fact, a patient’s experience of the symptoms caused by their “invisible” injury or illness will be entirely subjective. A patient might be in extraordinary pain or discomfort, but since their symptoms do not manifest in objective, observable ways, insurance companies might attest that there is not enough evidence to prove that the claimant’s condition prohibits them from working. An insurance provider might even cast doubt on whether a claimant is experiencing their injury or illness at all.
Some examples of invisible injuries or illnesses that are often unfairly dismissed by insurers include:
- Depression
- Anxiety
- Chronic pain or complex regional pain syndrome (CRPS)
- Post-traumatic stress disorder (PTSD)
- Fibromyalgia
- Arthritis
- And more
Claimants suffering from “invisible” injuries or illnesses are not the only insurance policyholders whose claims for LTD benefits are denied. Insurance providers often find reasons to withhold payments from eligible claimants.
If your insurance provider denied your claim for LTD benefits even though your medical condition should entitle you to receive them, do not hesitate. Book a free initial consultation with our Thunder Bay long-term disability lawyers today by contacting us today.
Speak with Our Long-Term Disability Lawyers Serving Thunder Bay
Our Thunder Bay long-term disability lawyers appreciate how discouraging and anxiety-inducing it can be to receive a denied claim for LTD benefits.
During a free initial consultation with our long-term disability lawyers serving Thunder Bay, you will have the opportunity to review the circumstances of your case and learn about options that might be available to you. If you are eligible, by working with our Thunder Bay long-term disability lawyers, you might be able to recover your previously denied benefits payments, damages you have incurred because of your claim’s initial denial, and possibly more.
To take advantage of your free initial consultation with our long-term disability lawyers serving Thunder Bay, call 1-800-JUSTICE.
