If you have been diagnosed with a disabling medical condition, you may be able to collect long-term disability (LTD) benefits from your insurance provider. Depending on the terms of your employer’s group insurance plan or your own privately held policy, you may be entitled to these income replacement benefits if the symptoms of your condition make it impossible for you to continue performing the tasks associated with your occupation.
Your condition does not necessarily have to be physical in order to qualify for LTD benefits. If you have been diagnosed with a severe mental health disorder that makes it impossible for you to continue working, you could be eligible to receive LTD benefits. Indeed 30% of Canadian disability claims are attributed to mental health conditions.
Generally speaking, in order to apply for LTD benefits, claimants must include supplementary evidence along with their application to prove to their insurance provider that their medical diagnosis does, in fact, make it impossible for them to continue carrying out the duties of their jobs. Examples of evidence that might be beneficial to submit along with your application include:
LTD benefits do not replace all of a recipients’ normal earnings. Instead, they offer between 60-70% of their regular wages. However, if you are no longer able to work because of your injury or illness, these monthly income replacement payments could be one of your only sources of financial stability.
Sadly, even though LTD benefits can be such important sources of income for disabled insurance policyholders, it is not always easy to get the payments you deserve. Insurance companies often look for reasons to deny the claims of applicants who should be eligible to receive LTD benefits.
You or your employer pay monthly premiums to your insurance provider so that you can access coverage whenever it is needed. And yet, insurance companies routinely deny the claims of policyholders who have received diagnoses for disabling physical or mental conditions.
If your claim for LTD benefits was turned down – or if the payments you had been receiving were unfairly and prematurely terminated – our Camrose long-term disability lawyers may be able to help. By appealing the insurance provider’s unfair decision to deny you the benefits you are rightfully owed, our long-term disability benefits lawyers may be able to help you recover the compensation you deserve.
To learn more about working with our Camrose long-term disability lawyers, book a free initial consultation today and receive personalized legal feedback on your case.
Standing up to the unfair tactics employed by a large insurance company can feel like an overwhelming, impossible task. Many denied benefits claimants worry that the process of seeking justice will be a long and expensive one. They often choose not to pursue the matter for fear of incurring additional financial losses.
Luckily, our long-term disability lawyers serving Camrose work on a contingency-fee basis. That means, if you are eligible to work with our Camrose long-term disability lawyers, you will not be required to pay for our legal services unless we win your case.
To take advantage of a free initial consultation and learn about working with our long-term disability lawyers serving Camrose, 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!