Trenton Disability Lawyer
Certain companies or businesses offer their employees group insurance plans covering long-term disability (LTD) benefits. Those who are unable to access this coverage through their employer’s group plan may choose to purchase their own private insurance policy. With the right insurance, policyholders who develop chronic physical illnesses, sustain severe injuries, or are diagnosed with debilitating mental health disorders might be able to access crucial financial support.
Receiving a medical diagnosis for a disabling physical or mental condition can be one of the most challenging experiences a person might be forced to undergo throughout their entire lives. Without a secure, stable source of income, people who cannot continue working through no fault of their own might find themselves facing financial disaster.
Monthly LTD benefits payments can be vital sources of income for people who, through no fault of their own, are no longer able to carry out the tasks of their job. Typically replacing between 60-70% of a recipient’s normal earnings, LTD benefits can help struggling policyholders make ends meet during a difficult and frightening chapter of their lives.
Sadly, insurance providers frequently deny eligible policyholders’ claims for LTD benefits. In fact, based on both anecdotal evidence and the number of Canada Pension Plan (CPP) disability claims that are denied each year, it can be ascertained that more than half of all LTD claims submitted across the nation are initially declined by insurance providers.
Additionally, even applicants whose claims for LTD benefits have been approved might encounter difficulties with their insurance provider after receiving disability coverage for twenty-four months. After this arbitrarily determined length of time, many insurance providers update their definition of disability, disqualifying many LTD benefits recipients from continuing to receive their coverage.
Many disabling medical conditions do not improve over the course of two years. Even though their insurance plan’s terms and conditions have changed, the severity of their medical conditions could very easily remain the same. LTD benefits recipients might still be unable to return to work in their occupational field, and yet their income replacement payments could be terminated, regardless.
At Preszler Injury Lawyers, our long-term disability lawyers serving Trenton are committed to helping our clients navigate the often complicated and confusing process of appealing an insurance provider’s unfair decision. If your claim for LTD benefits was unfairly denied, or if your payments were terminated prematurely, our Trenton long-term disability lawyers may be able to help you recover the compensation to which you are rightfully entitled. In many cases, this compensation includes payments for:
- Previously denied benefits payments
- Legal fees
- Damages incurred because the claim’s initial denial
- Punitive damages
- And possibly more
Book Your Free Initial Consultation with Preszler Injury Lawyers Today
By taking advantage of a free initial consultation with our long-term disability lawyers serving Trenton, even if you are unsure whether you might be eligible to fight your insurer’s unfair decision, you will have the opportunity to review the circumstances of your case with Preszler Injury Lawyers and receive specific, personalized legal feedback about options that might be available to you at no cost whatsoever.
To book your free initial consultation, contact us online or call 1-800-JUSTICE today.
