Even though you may have sufficient insurance coverage, if you have been diagnosed with a chronic illness, physical injury, or mental health disorder that prevents you from working, your insurer may deny your claim for long-term disability (LTD) benefits.
LTD benefits are designed to replace a portion of an individual’s income when they are unable to continue working because of their disabling medical condition. They are typically available through an employer’s group insurance plan, or through a policy held privately by an individual.
Conditions that might qualify a person to receive LTD benefits could be physical in nature, but they can also be related to mental health. As it so happens, 30% of disability claims across the country are attributed to mental health conditions.
Policyholders may be eligible for LTD benefits if they are unable to work as a result of their disabling mental health condition and, by extension, are unable to continue earning their regular wages. While LTD benefits do not replace a recipient’s total salary, they usually provide them with between 60-70% of their normal earnings.
Without access to their regular earnings, many disabled workers rely on LTD benefits for financial security. This insurance coverage can be crucial for people who – through no fault of their own – are no longer able to support themselves or their families.
This is why receiving a denied claim for LTD benefits can be so disheartening and demoralizing. It can feel especially egregious when claims are denied unfairly, or for reasons that are difficult to comprehend.
Sadly, insurance providers often look for reasons to summarily deny the claims of eligible applicants. Even after submitting medical evidence proving the severity of their conditions, disabled claimants may be denied the coverage to which they should be entitled.
Appealing an unfairly denied LTD benefits claim can seem like an impossible challenge without legal assistance and support. That is why, if your claim was denied, taking advantage of a free initial consultation with our Red Deer long-term disability lawyers could be beneficial.
Our long-term disability lawyers serving Red Deer may be able to help you appeal your insurance provider’s unfair decision to help you recover the benefits you were wrongfully denied, as well as any other damages you might have incurred as a result. In some cases, you may even be entitled to punitive damages.
To learn more about working with our long-term disability lawyers serving Red Deer, contact us today and receive a free initial consultation on your case.
Receiving a life-changing diagnosis for a disabling medical condition is often an experience that is fraught with anxiety. It is not uncommon to worry about one’s physical health, emotional well-being, and financial security. This is especially true for people who are unable to continue working in their chosen occupational field as a result of their newly diagnosed condition.
Our Red Deer long-term disability lawyers are passionate about standing up for the rights of disabled policyholders who have been treated unfairly by their insurance providers. To learn if you might be eligible to work with our long-term disability lawyers serving Red Deer, schedule your free initial consultation today.
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