Smiths Falls Long Term Disability Lawyer

There are many sources of stress and anxiety for people living with a disability, and most of them are related to their finances. If you are unable to work because of your medical condition, receiving long-term disability (LTD) benefits might make all the difference between continuing to support yourself and falling into financial despair. 

These monthly income replacement payments are intended to provide much-needed financial security to insurance policyholders who are unable to continue working because of a newly acquired, disabling medical condition. While the terms, conditions, and qualifying medical conditions vary from policy to policy, LTD benefits might be available for policyholders who cannot continue carrying out the duties of their current occupations because of a debilitating condition related to their physical or mental health. 

Depending on the level of coverage available in your employer’s group insurance plan or your own, privately held insurance policy, you may be eligible to apply for LTD benefits if you have been diagnosed with a condition that makes it impossible for you to carry out the duties of your job. However,  it can be hard to get LTD benefits, especially if your medical condition does not have observable symptoms.

People attempting to recover LTD benefits for so-called “invisible” injuries or illnesses often face undue suspicion and disbelief from their insurance providers. Since “invisible” injuries or illnesses do not present objectively observable symptoms, insurers might deny an eligible claimant’s application for LTD benefits due to a lack of evidence. This can be extremely frustrating and disheartening for people suffering from legitimate medical grievances. 

LTD claimants suffering from invisible injuries or illnesses may be in extreme pain and discomfort for extended periods of time, but since their symptoms are experienced subjectively and their severity cannot be observed through medical testing, they may be denied crucial support from their insurance provider. Some examples of invisible injuries or illnesses that are often unfairly dismissed by insurers include:

• Whiplash
• Soft tissue injuries
• Depression
• Anxiety
• Post-traumatic stress disorder (PTSD)
• Fibromyalgia 
• Arthritis
• Chronic pain
• Traumatic brain injuries (TBIs)
• And more

Even if an eligible policyholder receives LTD benefits payments for their disabling medical condition, after an arbitrarily determined period of time, their insurance provider might cut off their payments. After two years of providing eligible recipients with LTD benefits, many insurance providers update their definition of the term “disability.” By doing so, they impose even more stringent limitations on people who are still unable to return to the duties of their job because of their severe medical condition. 

If you are having difficulty securing the income replacement payments you are rightfully owed by your insurance provider, our Smiths Falls long-term disability lawyers may be able to assist you. By working with our long-term disability lawyers serving Smiths Falls, eligible benefits recipients may be able to overturn their insurance company’s unfair determination to recover the financial compensation they deserve. 

If your insurance policy covers long-term disability and your LTD benefits were unfairly denied or terminated, contact our long-term disability lawyers serving Smiths Falls today and receive a free initial consultation.

Call 1-800-JUSTICE to Speak with our Smiths Falls Long-Term Disability Lawyers

To learn more about how our Smiths Falls long-term disability lawyers might be able to provide you with assistance, take advantage of your free initial consultation by calling 1-800-JUSTICE today.