Oshawa Long Term Disability Lawyer

People pay monthly premiums to their insurance companies so that, in case of the worst, they will be able to access life-saving benefits payments. Certain businesses offer their employees access to a group insurance plan with coverage for long-term disability (LTD) benefits. People who do not have access to sufficient coverage through their employer’s insurance plan may decide to purchase their own private policy so that, in case they are unable to work as a result of a severe injury, physical illness, or mental disorder, they will be able to access the coverage they need to continue supporting themselves and their families.

LTD benefits can provide eligible insurance policyholders with between 60-70% of their regular earnings when they cannot return to work after receiving a diagnosis for a disabling medical condition. These monthly income replacement payments can go a long way to helping people living with a disability make ends meet. Although LTD benefits recipients cannot collect the full amount of income to which they have become accustomed, the insurance coverage available to them can provide a degree of financial stability and a much-needed sense of security during a difficult and tumultuous time. 

Sadly, many claims for LTD benefits are turned down by insurance providers, and the payments to which policyholders should be entitled are withheld. Often, this happens when applicants submit claims for so-called “invisible” injuries or illnesses. The severity of “invisible” injuries or illnesses is subjective, meaning there is no metric or test to objectively observe its impacts on a patient. Since these conditions cannot be proven by analyzing the results of medical tests and their impact on a person’s ability to perform their jobs cannot be objectively measured, many policyholders who should be eligible to receive LTD benefits receive a denied claim. 

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

Unfortunately, it can be hard to get LTD benefits, even when eligible policyholders are able to provide medical evidence substantiating that their disabling medical condition makes it impossible to carry out the duties of their jobs. In fact, by looking at the number of disability claims denied by the Canada Pension Plan (CPP) each year, it can be presumed that more than 60% of LTD benefits claims are denied by Canadian insurers each year.

If your claim for LTD benefits was denied by your insurance provider even though your medical condition makes it impossible for you to work, our Oshawa long-term disability lawyers may be able to help you. Our long-term disability lawyers serving Oshawa know the tactics often used by insurance companies to treat their policyholders unfairly and are passionate about helping members of the local community stand up for their rights.

To learn how our Oshawa long-term disability lawyers might be able to assist with your case, book a free initial consultation with Preszler Injury Lawyers by calling 1-800-JUSTICE or contacting us online.

Receive a Free Initial Consultation By Calling 1-800-JUSTICE

Receiving a denied claim for LTD benefits can be discouraging, frustrating, and legitimately frightening. Our long-term disability lawyers serving Oshawa are committed to helping the people we represent recover the compensation and fair treatment they are duly owed.

Schedule a free initial consultation with our Oshawa long-term disability lawyers today and learn how Preszler Injury Lawyers may be able to assist you with your case.