Bancroft Long Term Disability Lawyer

No one expects to develop a severe, prolonged medical condition. No one can truly plan for the unexpected. Receiving a diagnosis for severe injuries or chronic physical and/or mental illnesses is always a shock for which no one is prepared. However, with the right level of insurance coverage, certain people may be in more secure positions to live with their newly acquired disability. 

Some businesses provide their employees with a group insurance plan covering long-term disability (LTD) benefits. Those who are unable to access insurance through their employer may choose to purchase their own private insurance policy in order to prepare for the worst case scenario. 

LTD benefits are designed to help disabled insurance policyholders when their medical conditions prevent them from completing the tasks associated with their jobs. These income replacement payments generally replace between 60-70% of a recipient’s normal wages. 

In order to apply for LTD benefits, qualified applicants are often required to submit supplementary medical evidence along with their applications. The accompanying evidence may be useful in proving that the severity of a claimant’s symptoms make it impossible for them to perform the work expected of them in their current positions. The evidence should substantiate an applicant’s claim that they cannot carry out the duties of their job because of the severity of their medical condition. 

Examples of evidence that might prove useful when submitting an application for LTD benefits include:

• Medical records 
• Results of medical examinations 
• Statements from your attending physicians 
• A detailed description of your job duties 
• A statement from your plan sponsor (i.e. your employer) 
• Other documentation proving that your medical condition prevents you from performing the duties of your job 

Unfortunately, even after submitting thorough evidence proving the severity of your medical condition and its impact on your ability to perform the duties of your job, your insurance provider may decide to deny your claim. In fact, insurance companies can deny disability claims for a number of reasons, all of which can be frustrating to try and comprehend.  

It can be difficult to ascertain exactly what percentage of LTD claims are routinely denied across the country. However, by examining the number of disability claims denied each year by the Canada Pension Plan (CPP), it can be determined that more than half of all LTD claims are initially denied by insurance companies. 

If you are unable to work because of a severe, disabling medical condition and the LTD benefits payments you are rightfully owed have been withheld from you by your insurance provider, our long-term disability lawyers serving Bancroft may be able to help.

By working with our Bancroft long-term disability lawyers, you may be able to fight your insurer’s unfair decision and recover compensation for:

• Previously denied benefits payments
• Legal fees 
• Damages you have incurred as a result of your claim’s initial denial
• Punitive damages
• And possibly more

Call Our Bancroft Long-Term Disability Lawyers for a Free Initial Consultation

Our long-term disability lawyers appreciate just how frightening and upsetting it can be to receive a denied claim for LTD benefits after receiving a diagnosis for a severe medical condition. At Preszler Injury Lawyers, we do our best to remove financial barriers to accessing our important legal services. You should not be forced to endure injustice because you feel you cannot afford to take action. 

That is why our Bancroft long-term disability lawyers offer all prospective clients a free initial consultation. There is no fee to take advantage of this personalized first meeting with our long-term disability lawyers serving Bancroft. On top of that, Preszler Injury Lawyers work on a contingency-fee basis. That means you do not pay us a cent unless we win your case.

To learn more about how our Bancroft long-term disability lawyers may be able to assist you, contact us today online or call 1-800-JUSTICE.