No one anticipates being severely injured in an accident or developing a chronic medical condition that makes it impossible to work. Unfortunately, through no fault of their own, countless individuals sustain disabling physical or mental illnesses and injuries that prevent them from carrying out the duties of their jobs and, by extension, prevent them from earning their regular wages.
Sustaining or developing a disabling medical condition can lead to understandable financial anxieties. Without the stability of a regular paycheque, many disabled workers may struggle to continue supporting themselves and their loved ones.
However, certain insurance policyholders have access to long-term disability (LTD) benefits through their employer’s group plan or through an insurance policy they hold independently. LTD benefits typically replace between 60-70% of a recipients’ normal earnings when they can no longer complete the tasks associated with their occupation, thereby providing disabled policyholders with a degree of financial security in an otherwise precarious time.
There are a wide range of medical conditions that might qualify a policyholder to receive LTD benefits. Physical injuries, chronic illnesses, and disabling mental health conditions might entitle an individual to receive LTD benefits. In fact, throughout the country, 30% of disability claims are attributed to mental health conditions.
In order to apply for LTD benefits, claimants must provide their insurance provider with evidence proving the severity of their medical condition and the preventative impact it has on their ability to perform their job. Unfortunately, even after receiving thorough medical evidence substantiating the policyholder’s claim, insurers often find reasons to deny claimants’ applications for LTD benefits.
When a claim for LTD benefits is denied by an insurance provider, the policyholder should be given instructions on how to appeal the decision. But for those suffering from disabling medical conditions, the prospect of picking a fight with a large corporation can seem like an impossible challenge.
No one should have to stand up to an insurance company alone. Our Airdrie long-term disability lawyers have decades of experience providing crucial assistance to deserving clients whose claims for LTD benefits were unfairly denied.
By working with our long-term disability lawyers serving Airdrie, you might be able to overturn your insurer’s unfair determination to recover the benefits you had been previously denied, as well as other damages you may have incurred as a result of your claim’s initial denial. To learn more about working with our Airdrie long-term disability lawyers, contact us today.
Our long-term disability lawyers serving Airdrie appreciate how difficult it can be to receive a denial after submitting a claim for LTD benefits. After receiving a diagnosis for a disabling medical condition, the last thing an individual needs is a complicated, drawn-out battle with an insurance company.
By fighting for the rights of our clients, our Airdrie long-term disability benefits hope to hold insurance companies accountable for their unfair actions. At Preszler Injury Lawyers, we are passionate about helping mistreated insurance policyholders get the fair treatment and benefits payments to which they should be entitled.
Our Airdrie long-term disability lawyers do our best to remove financial barriers to accessing our services by offering all prospective clients a free initial consultation and by working on a contingency-fee basis. That means you do not pay unless we win.
To take advantage of your cost-free initial consultation and learn how our long-term disability lawyers serving Airdrie might be able to assist you, contact us today.
Since 1959, Preszler Injury Lawyers has been helping Canadians pursue meaningful compensation from insurance providers.
To speak with a member of our legal team today, book a free consultation. Our phone lines are open 24/7 and the best part is, you don't pay anything unless you decide to hire us and we successfully recover compensation for you. Yes that's right - you don't pay unless we win!