Being diagnosed with a disabling medical condition can be an overwhelming, life-changing experience. In addition to requiring ongoing medical treatment and lifestyle adjustments, the symptoms of disabling physical or mental illnesses often make it difficult to carry out the duties of an individual’s job. As such, chronically ill and severely injured workers may struggle to continue earning regular wages, have difficulty supporting themselves and their loved ones, and face devastating financial insecurity.
Thankfully, for those insurance policyholders with access to long-term disability (LTD) benefits, financial relief may be available. LTD benefits are intended to replace a portion of an individual’s income when they are unable to work for a prolonged period of time because of their disabling medical condition. Typically, LTD benefits offer recipients between 60-70% of their regular wages.
While many people assume that LTD benefits are only available to those who have sustained physical injuries or developed physical illnesses, those who have been diagnosed with a disabling mental health condition might also be able to access LTD coverage through their employer’s group insurance plan or their own privately held policy. In fact, 30% of Canadian disability claims are attributed to mental health conditions.
Applying for LTD benefits can be a daunting task. In order to do so, an individual must be able to show evidence proving that they have received an official diagnosis for a disabling medical condition, that they are receiving ongoing treatment for it, and that the symptoms of their condition makes it impossible to continue working. It might be beneficial to include the following supplementary evidence along with an application for LTD benefits:
Unfortunately, insurers often look for reasons to deny LTD benefits claims, even when applicants include thorough medical evidence proving the severity of their medical conditions. When insurers unfairly deny claims for LTD benefits, they put the people they are supposed to help in precarious, frightening financial circumstances.
Additionally, insurers might prematurely terminate benefits payments to successful LTD claimants after a prescribed period of time, oftentimes because they insist their qualifying medical conditions no longer meet the policy’s definition of disability. Appealing these kinds of unfair determinations can feel like an uphill battle, forcing benefits recipients to undergo further stress to continue receiving the insurance coverage they should be owed.
If your LTD benefits claim was denied or if your payments were unfairly terminated even though you are still unable to work, our Lethbridge long-term disability lawyers may be able to provide you with crucial assistance. To learn more about working with our long-term disability lawyers serving Lethbridge, book a free initial consultation with us today.
Our Lethbridge long-term disability lawyers appreciate how financially precarious life can be after receiving an LTD benefits claim denial or after having benefits payments terminated prematurely. That is why our long-term disability lawyers serving Lethbridge do our best to remove financial barriers to accessing our legal services by offering a free initial consultation to all prospective clients, and by working on a contingency-fee basis. That means, if you are eligible to work with our Lethbridge long-term disability lawyers, you will not be required to pay unless we win your case.
To learn more about working with our long-term disability lawyer serving Lethbridge, contact us today and receive your free initial consultation.
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