Richmond Hill Long-Term Disability Lawyer

Your employer’s group insurance plan might include coverage for long-term disability (LTD) benefits. If you are self-employed or do not have sufficient coverage through your employer’s insurance plan, you might have chosen to pay monthly premiums for a privately held policy that includes access to LTD benefits. LTD benefits are typically made available to severely injured or chronically ill insurance policyholders who are unable to carry out the tasks associated with their occupations because of the medical conditions they have acquired. 

Although each insurance policy is different and eligibility criteria for disability benefits may vary from insurer to insurer, injured or ill policyholders who wish to submit a claim for LTD benefits do not necessarily need to have sustained an easily observable medical condition in order to qualify for disability benefits. If invisible injuries or illnesses– including mental health conditions– make it impossible for a policyholder with sufficient insurance coverage to do their jobs, they might qualify for LTD benefits. 

Some medical conditions that might entitle a claimant to collect LTD benefits include:

• Spinal cord injuries (SCIs)
• Paralysis
• Heart disease
• Traumatic brain injuries (TBIs)
• Chronic pain or complex regional pain syndrome (CRPS) 
• Post-traumatic stress disorder (PTSD)
• Depression
• Bipolar mood disorder
• Lupus or Lyme disease
• Psoriatic arthritis or fibromyalgia 
• Back injuries
• And possible more

Generally, in order to qualify for LTD benefits, eligible claimants must have already exhausted the other benefits available to them, including short-term disability and employment insurance (EI). Furthermore, claimants should be able to provide evidence along with their applications, proving the severity of their medical condition and its preventative impacts on their abilities to complete the duties of their jobs, as well as their need for ongoing medical treatment, and an official diagnosis from their primary care provider (and possibly other medical experts).

Unfortunately, it is not always easy for eligible policyholders with qualifying medical conditions to access the LTD benefits they should be rightfully owed. Indeed, even after submitting the supplementary medical evidence required to prove the incapacitating nature of their acquired injuries or illnesses, policyholders are frequently denied the insurance coverage they undoubtedly require. 

LTD benefits can provide between 60-70% of a recipient’s regular wages (usually up to a predetermined salary cap). For people who– through no fault of their own– are unable to continue earning their regular income, these monthly payments can make the difference between financial stability and distress. And yet, insurance providers routinely make it incredibly difficult to access the necessary coverage to which they should be entitled. 

If your claim for LTD benefits has been denied, our Richmond Hill long-term disability lawyers may be able to help you appeal your insurance provider’s unfair decision. By doing so, our long-term disability lawyers serving Richmond Hill may be able to help you recover the payments that have been previously withheld, as well as other damages resulting from your claim’s initial denial (including legal fees). To learn whether you may be able to overturn your insurance company’s unfair determination, call 1-800-JUSTICE and take advantage of a free initial consultation with our Richmond Hill long-term disability lawyers.

Speak to Our Long-Term Disability Lawyers Serving Richmond Hill

In order to remove financial barriers to accessing our services, our Richmond Hill long-term disability lawyers provide a free initial consultation to all prospective clients. At Preszler Injury Lawyers, our long-term disability lawyers serving Richmond Hill are committed to helping members of the local community in their pursuits of fair treatment and proper compensation.

To discuss your case with our Richmond Hill long-term disability lawyers and learn if you might be eligible to appeal your claim’s denial, contact Preszler Injury Lawyers online or call 1-800-JUSTICE.