Kirkland Lake Long Term Disability Lawyer

Depending on your level of insurance coverage, if the symptoms of a chronic illness, catastrophic injury, or severe mental health condition prevent you from carrying out the duties of your job, you might be eligible for long-term disability (LTD) benefits. Your employer’s group insurance plan might include coverage for LTD benefits, or they might be available as part of an insurance policy you pay for privately. 

The process of applying for LTD benefits is not always simple or straightforward. In fact, many claimants face an exceptional degree of scrutiny from their insurance providers, and even outright disbelief. Unfortunately, this is often the case for policyholders trying to recover LTD benefits for so-called “invisible” injuries or illnesses.

Some examples of invisible injuries or illnesses that are often unfairly dismissed by insurers include:

• Depression
• Anxiety
• Chronic pain or complex regional pain syndrome (CRPS) 
• Post-traumatic stress disorder (PTSD)
• Fibromyalgia  
• Arthritis
• And more

Along with their claims for LTD benefits, applicants are generally required to include a thorough roster of evidence proving that they have been diagnosed with a debilitating medical condition, that they have been receiving prolonged and ongoing treatment for it, and that their ability to complete their jobs has been jeopardized because of their condition’s symptoms. However, since “invisible” injuries do not manifest themselves with symptoms that can be objectively measured or observed, claimants seeking LTD benefits to cope with them might need to go to great lengths to secure the payments to which they should be entitled. 

Claimants suffering from “invisible” injuries or illnesses are not the only insurance policyholders whose claims for LTD benefits are denied. Insurance providers often turn down claims and withhold payments for a number of reasons, including:

• Insufficient supporting medical evidence was included in the application
• Claim was filed late, past requisite deadlines
• 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

LTD benefits typically provide recipients with between 60-70% of their regular earnings. During a prolonged and difficult battle with a severe injury or illness, LTD benefits can provide a stable source of income and genuine sense of security. 

At Preszler Injury Lawyers, our long-term disability lawyers serving Kirkland Lake are committed to helping members of the local community who have been unfairly denied the honest treatment and crucial financial support to which they are rightfully entitled. If your claim for LTD benefits has been denied, call 1-800-JUSTICE today and receive a free initial consultation with our Kirkland Lake long-term disability lawyers.

Speak with Our Long-Term Disability Lawyers Serving Kirkland Lake

During a free initial consultation with our long-term disability lawyers serving Kirkland Lake, 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, by working with our Kirkland Lake 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 Kirkland Lake, contact Preszler Injury Lawyers.