Welland Long-Term Disability Lawyer
Certain businesses provide their employees with group insurance plans that offer long-term disability (LTD) benefits to policyholders who, through no fault of their own, can no longer complete the duties of their jobs. Workers with sufficient insurance coverage who have sustained severe injuries or developed debilitating physical or mental illnesses that prohibit them carrying out their occupational tasks might be able to collect LTD benefits. If an employee’s group insurance plan does not include adequate coverage, they may wish to purchase a private policy that provides disability coverage.
LTD benefits typically replace between 60-70% of a recipient’s normal wages. In a time of great need, receiving LTD benefits can be critical. Unable to continue working in their chosen occupational field, people living with a disability could struggle to support themselves and their families.
However, not all claims for LTD benefits are approved by insurance providers. In fact, more than half of the country’s claims for LTD benefits are denied by insurance companies each year.
Some common reasons provided by insurance companies to justifying denying a policyholder’s claim for LTD benefits include:
- Claimants included insufficient supporting medical evidence in their 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
Few experiences are more frustrating and anxiety-inducing than receiving a denied claim for LTD benefits. However, it can be even more disheartening when, after an arbitrarily-determined length of time, insurance providers decide to stop providing an LTD benefits recipient with the payments they need to support themselves.
Certain insurance policies update their definition of what constitutes a disabling medical condition after a benefits recipient has collected income replacement payments for two years. These insurance plans initially make LTD benefits available to policyholders who cannot perform the duties associated with their own occupation because of their debilitating medical condition. However, after two years, a benefits recipient must be able to prove that their condition prevents them from performing any occupation in order to continue receiving their benefits payments.
Some medical conditions might certainly improve within a matter of months. But many do not. Even if a benefits recipient’s medical condition remains so severe that they cannot return to their place of work, their insurance provider might terminate the payments that allow them to continue making ends meet.
Our Welland long-term disability lawyers are committed to helping the clients we represent fight against unfair treatment. If your claim for LTD benefits was unfairly denied, or if your payments were prematurely terminated without reason, our long-term disability lawyers serving Welland may be able to assist you.
If you are eligible to pursue legal action against your insurer, by working with our Welland long-term disability lawyers, you might be able to receive compensation for:
- Previously withheld benefits payments
- Damages incurred because of your claim’s initial denial
- Punitive damages
- Legal fees
- And possibly more
To receive the benefit of personalized legal advice about options for financial recovery that might be available to you, contact Preszler Injury Lawyers today and book your free initial consultation.
Contact Our Welland Long-Term Disability Lawyers Today
During a free initial consultation with our long-term disability lawyers serving Welland, 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 to pursue further action, by working with our Welland 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 schedule your free initial consultation with our long-term disability lawyers serving Welland, call 1-800-JUSTICE.