Windsor Long Term Disability Lawyer

Injury-causing accidents can happen to anyone. Even the most overly-cautious Windsor resident can be severely hurt in an unexpected set of circumstances. Similarly, even the most health-conscious, well-balanced individual can develop a chronic physical illness or mental health disorder because of circumstances that are entirely out of their control. 

When a catastrophic injury, serious physical illness, or mental health disorder is so severe that the people affected by it can no longer complete the duties of their jobs, the consequences can be far-reaching and legitimately frightening. Unable to continue earning the wages to which they have become accustomed, people with newly acquired disabling medical conditions often find themselves in financially precarious circumstances.

However, some people’s employers offer group insurance plans that include coverage for long-term disability (LTD) benefits. Others may be able to access LTD benefits through a privately-held insurance policy for which they make monthly payments independently. Insurance policyholders with an appropriate level of coverage might be able to access LTD benefits if they cannot continue working due to their disabling medical conditions. 

LTD benefits do not provide coverage for a disabled worker’s entire regular salary. Instead, they offer between 60-70% of their normal earnings when a serious medical condition makes it impossible for them to continue working. These benefits are accessible to policyholders after they have used up all other benefits available to them, including short-term disability benefits and Employment Insurance (EI) sickness benefits. 

Eligibility requirements for LTD benefits differ between policies. However, some common conditions that might qualify an appropriately insured individual to receive LTD benefits commonly 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 

Unfortunately, insurance policies do not always approve insurance policyholders’ claims for LTD benefits. In fact, LTD benefits can be notoriously hard to get, even when claimants can provide thorough medical evidence illustrating the severity of their medical condition and its preventative impact on their ability to carry out the tasks of their job. 

If your claim for LTD benefits was turned down even though your injury or illness makes it impossible for you to work, our Windsor long-term disability lawyers may be able to help you overturn your insurer’s unfair decision. By working with our long-term disability lawyers serving Windsor, you may be able to recover compensation for:

• Previously denied benefits payments
• Legal fees 
• Damages you have incurred as a result of your claim’s initial denial
• Punitive damages

To review the details of your case and learn about courses of legal action that might be available to you, schedule a free initial consultation by calling 1-800-JUSTICE.

Speak with Our Windsor Long-Term Disability Lawyers Today

Standing up to a large, intimidating insurance company might seem like an impossible task, but with the help of our long-term disability lawyers serving Windsor, you might be able to recover the compensation you are rightfully owed. Even if you are unsure of whether you might be entitled to appeal your insurance provider’s unfair decision, consider taking advantage of a cost-free, no-obligation first meeting with our Windsor long-term disability lawyers.

Contact us today to book your free initial consultation and receive personalized, case-specific legal advice from our long-term disability lawyers serving Windsor.