Timiskaming Long Term Disability Lawyer

Some businesses provide their employees with group insurance plans that include coverage for long-term disability (LTD) benefits. LTD benefits usually provide recipients with between 60-70% of their regular wages when a serious injury, physical illness, or mental disorder makes it impossible to complete the tasks associated with their jobs.

People who cannot access LTD benefits through a group insurance plan offered by their employer may wish to purchase their own private policy independently. In order to qualify for LTD benefits, policyholders must have first used up all other benefits available to them, including short-term disability benefits and Employment Insurance (EI) sickness benefits. 

Each insurance policy is different and might be subject to specific terms, conditions, and eligibility requirements. Certain medical conditions might be excluded from an insurance plan’s coverage. Oftentimes, people who have developed a disabling medical condition as a result of pre-existing conditions might not be entitled to receive LTD benefits. 

Some common examples of medical conditions that might entitle a policyholder with an appropriate level of insurance coverage to collect LTD benefits include:

• Heart disease 
• Back problems 
• Chronic pain or complex regional pain syndrome (CRPS) 
• Lupus or Lyme disease 
• Psoriatic arthritis 
• Fibromyalgia
• Paralysis
• Depression 
• Bipolar mood disorder 
• Post-traumatic stress disorder (PTSD) 
• And possibly more 

For people living with a disability, juggling basic costs of living with necessary medical expenses can feel like an impossible balancing act, especially if they are unable to work because of their disabling medical condition. Without access to monthly income replacement payments provided to them by their insurance company, workers who can no longer perform the duties of their chosen occupation might struggle to continue supporting themselves and their loved ones.

Unfortunately, insurance providers frequently decide to deny an eligible policyholder’s claim for LTD benefits, even after the applicant has provided thorough proof substantiating their claim. When this happens, people who are legitimately unable to continue working because of a disabling medical condition might be left entirely out in the cold, with no access to the only source of stable income available to them.

If you should be entitled to receive LTD benefits payments because you have been diagnosed with a disabling medical condition but the funding you deserve has been withheld from you, our Timiskaming long-term disability lawyers may be able to provide you with crucial legal assistance. To learn more about how our long-term disability lawyers serving Timiskaming may be able to fight your insurance company’s unfair decision, contact us today. 

Don’t Wait Until It’s Too Late – Call 1-800-JUSTICE Today

At Preszler Injury Lawyers, all prospective clients receive a free initial consultation to go over the details of their case with members of our legal team. By taking advantage of a cost-free, no-obligation first meeting with our Timiskaming long-term disability lawyers, you will have the opportunity to receive personalized, case-specific legal advice and learn about options for various courses of action that might be available to you.

By working with our long-term disability lawyers serving Timiskaming, you may be able to recover the maximum amount of compensation to which you are rightfully owed. To learn more, call 1-800-JUSTICE and schedule your free initial consultation.