Timmins Long-Term Disability Lawyer
It is impossible to plan for every bump in the road, every curveball life throws our way. But people with access to insurance plans covering long-term disability (LTD) benefits should be able to rest assured that, should an unexpected and tragic situation befall them, they will have the ability to weather the financial storm that follows.
LTD benefits are designed to help people with adequate insurance coverage who, through no fault of their own, have developed a chronic illness, sustained a catastrophic injury, or acquired a severe mental health disorder that makes it impossible for them to carry out the tasks associated with their chosen profession. Some workers have access to LTD benefits through their employer’s group insurance plan; others choose to pay for their own insurance coverage or supplement the benefits they can access through their employer by paying monthly premiums for another policy independently.
The eligibility requirements for LTD benefits differ between insurance policies. Certain medical conditions that might entitle a policyholder to receive LTD benefits include:
- Heart disease
- Back problems
- Chronic pain or complex regional pain syndrome (CRPS)
- Lupus or Lyme disease
- Psoriatic arthritis
- Fibromyalgia
- Paralysis
- Depression
- Bipolar mood disorder
- Post-traumatic stress disorder (PTSD)
- And possibly more
With the right degree of insurance coverage, people who cannot go on working because of their newly acquired disabling medical condition might qualify for LTD benefits. Through monthly income replacement payments, LTD benefits recipients can collect between 60-70% of their regular earnings. This amount is generally subject to a payment cap for those who earn higher salaries. That said, when people are not able to continue earning the wages to which they have become accustomed, the amount available to them through their insurance coverage can make all the difference in the world. Newly disabled workers often struggle to keep up with all of the expenses they have incurred as a result of developing a disabling medical condition and fight to afford even their basic costs of living.
Unfortunately, insurance providers frequently choose to deny applicants’ claims for LTD benefits. They often decide to do so even when the claimant has supplied thorough, compelling evidence proving the severity of their disabling medical condition and illustrating the prohibitive impact it has on their ability to perform the duties of their jobs.
For people living with a disability who cannot work because of their medical conditions, being denied LTD benefits can be demoralizing, disheartening, and genuinely frightening. And standing up to a large corporation like an insurance company can feel like an overwhelming challenge, especially while struggling just to make ends meet.
Our long-term disability lawyers serving Timmins are familiar with the unfair tactics often used by insurance providers to withhold crucial funding from policyholders who, by all accounts, should be entitled to receive them. We fight on behalf of our clients’ best interests and have a history of helping mistreated members of the local community recover the payments they deserve. To learn more, contact us today and schedule a free initial consultation on your case.
Book Your Free Initial Consultation with Our Timmins Long-Term Disability Lawyers
If your claim for LTD benefits was denied even though you should be entitled to receive them, our long-term disability lawyers serving Timmins may be able to help you pursue legal action to overturn your insurance provider’s unfair decision and recover the payments you are rightfully owed.
To learn more about how our Timmins long-term disability lawyers may be able to assist you, call Preszler Injury Lawyers today at 1-800-JUSTICE and take advantage of your free initial consultation.
