Rainy River Long Term Disability Lawyer

Certain medical conditions, including physical injuries, illnesses, and mental health disorders make it impossible for regular people to continue going about their day-to-day business, or performing the duties of their jobs. That is why certain employers provide their staff with group insurance plans covering long-term disability (LTD) benefits. Should a person develop a disabling medical condition or sustain a severe, traumatic injury that prevents them from carrying out the tasks of their chosen occupation, they might be able to submit a claim for LTD benefits through their employer’s insurer. If their employer’s group insurance plan does not provide an appropriate level of coverage, LTD benefits might be covered under another private insurance policy.

In order to recover LTD benefits, policyholders with the appropriate level of insurance coverage must be able to submit evidence to their insurance provider proving that:

• They have received a diagnosis for a disabling medical condition
• They have received ongoing medical treatment for this condition
• Their condition requires them to continue seeking medical treatment 
• Their medical condition makes it impossible for them to perform the specific duties of their job
• And possibly more

Examples of evidence that might be useful to include in an application for LTD benefits include:

• Medical records 
• Results of medical examinations 
• Statements from attending physicians 
• A detailed description of job duties 
• A statement from plan sponsor (i.e. employer) 
• Other documentation  

Additionally, you must first exhaust all other forms of insurance coverage available to you through your plan before applying for LTD benefits. These might include short-term disability and Employment Insurance (EI) sickness benefits.

Unfortunately, even after submitting thorough, compelling evidence proving that your injury or illness prevents you from working in your current occupational field, your insurance provider might decide to deny your claim for LTD benefits and withhold the income replacement payments to which you should be entitled. Insurance companies often deny LTD benefits claims for a number of reasons, many of which can be difficult to understand. 

After receiving a denied claim for LTD benefits, speaking with a Rainy River long-term disability lawyer could be beneficial. Preszler Injury Lawyers have decades of experience fighting against the unfair tactics often employed by insurance companies to avoid paying their policyholders what they are rightfully owed. 

If you have sustained a severe injury, developed a chronic illness, or have been diagnosed with a disabling mental health condition that prevents you from working, our long-term disability lawyers serving Rainy River might be able to provide you with crucial legal assistance and advice. To review the details of your case with our Rainy River long-term disability lawyers and receive personalized legal advice about options that might be available to you, call 1-800-JUSTICE and book your free initial consultation with Preszler Injury Lawyers today. 

Speak with Our Rainy River Long-Term Disability Lawyers Today

If your claim for LTD benefits was denied, consider scheduling a free initial consultation with our Rainy River long-term disability lawyers. There is no cost for the initial consultation and no obligation to commence legal action if you are entitled to do so.

However, by working with our long-term disability lawyers serving Rainy River, you might be able to overturn your insurance company’s unfair determination to recover the compensation you deserve. Damages often include:

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

To learn more about how our Rainy River long-term disability lawyers might be able to help you receive the fair treatment to which you should be entitled, call 1-800-JUSTICE today.