Kingston Long-Term Disability Lawyers

Whether you have sustained a severe injury, developed a chronic illness, or have been diagnosed with a disabling condition related to your mental health, if you are insured, you may be entitled to collect long-term disability (LTD) benefits. LTD benefits may be included in your employer’s group insurance plan, or through another policy that you pay for independently.

These benefits are designed to provide a financial safety net when a medical condition prevents you from working for an extended period, making it possible to cover essential costs like rent in downtown Kingston or groceries at a local market.

Unfortunately, LTD insurers sometimes deny, delay, or terminate claims unfairly. At Preszler Injury Lawyers, our Kingston long-term disability lawyers help clients challenge insurance companies to secure the payments they are owed. To find out if you have a case, schedule a free consultation with our personal injury team serving Kingston now.

Understanding Your Long-Term Disability Coverage

LTD benefits are designed to provide eligible claimants with between 60-70% of their regular earnings when they are no longer able to work because of a disabling medical condition. Different policies have different terms and conditions, as well as different eligibility requirements for claimants.

Our legal team serving Kingston helps a wide variety of claimants who have developed injuries, illnesses, and disabilities. In many cases, we may be able to coordinate your LTD claim with our Kingston car accident lawyers or Kingston slip and fall lawyers where your injury was caused by another person’s negligence.

The Challenge of “Invisible” Injuries and Illnesses

Indeed, it can be hard to get LTD benefits. Unfortunately, this is often the case for policyholders trying to recover LTD benefits for so-called “invisible” injuries or illnesses.

Since these conditions do not present objectively observable symptoms, insurers might deny an eligible claimant’s application for LTD benefits due to a lack of evidence. Some examples of invisible injuries or illnesses that are often unfairly dismissed by insurers include:

• Whiplash
• Soft tissue injuries
• Depression
• Anxiety
• Post-traumatic stress disorder (PTSD)
• Fibromyalgia
• Arthritis
• Chronic pain
• Traumatic brain injuries (TBIs)
• And more

LTD claimants suffering from invisible injuries or illnesses may be in extreme pain and discomfort for extended periods of time, but since their symptoms are experienced subjectively and their severity cannot be observed through medical testing, they may be denied crucial support from their insurance provider. This can be extremely frustrating and disheartening for people suffering from legitimate medical complaints.

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Since 1959, we’ve helped thousands of Canadians get the compensation they deserve with their long-term disability claims. One of Canada’s oldest personal injury law firms, personal injury law is exclusively what we do. Book a free consultation today with our top-rated personal injury lawyers.

Our team is available 24/7 to speak with you.

1-888-608-2111

The Change of Definition After Two Years

Even if an eligible policyholder receives LTD benefits payments for their disabling medical condition, after an arbitrarily determined period of time, their insurance provider might cut off their payments. After two years, many insurance providers update their definition of the term “disability.”

Initially, most policies require you to be unable to perform your “own occupation”. After the 24-month mark, the criteria often shift to “any occupation,” meaning the insurer may stop payments if they believe you can perform any job for which you are suited by education or experience. By doing so, they impose even more stringent limitations on people who are still unable to return to the duties of their job because of their severe medical condition.

How Our Long-Term Disability Lawyers Can Help Clients in Kingston

There are many sources of stress and anxiety for people living with a disability, and most of them are related to their finances. If you are unable to work because of your medical condition, receiving LTD benefits might make all the difference between continuing to support yourself and falling into financial despair.

It is important to remember that if your LTD benefits were unfairly denied or terminated, you still have options. Our Kingston long-term disability lawyers can examine your denial letter and help you challenge the decision. Depending on the facts of your case, we can guide you through an internal appeal or launch an LTD lawsuit against an insurer for acting wrongfully. We understand the tactics insurance companies use and can assist you in gathering the necessary medical evidence to prove the validity of your claim.

Contact Our Kingston Long-Term Disability Lawyers Today

By taking advantage of a free initial consultation with our Kingston long-term disability lawyers, you will have the opportunity to review the details of your case and receive personalized legal advice about options for financial recovery that might be available to you. There is no cost associated with this initial, no-obligation consultation.

Furthermore, if you are eligible to pursue action against your insurance provider, our long-term disability lawyers serving Kingston will not charge you a cent unless we win your case. We work on a contingency-fee basis, which means you will not have to worry about the financial cost of standing up for your rights.

To learn more about how our Kingston long-term disability lawyers may be able to assist you, contact us today online or call 1-888-608-2111.

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LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN KINGSTON?