Spruce Grove Long-Term Disability Lawyers

A serious injury, illness, or mental health condition can make it impossible to keep working, even when your monthly bills continue. For residents of Spruce Grove, long-term disability insurance may provide important income replacement when a medical condition prevents you from performing your job.

Our Spruce Grove long-term disability lawyers help people whose disability benefits have been denied, delayed, or terminated by an insurance company. We can review your policy, explain the “own occupation” and “any occupation” tests, and help you understand whether your insurer’s decision may be challenged.

To speak with our Spruce Grove long-term disability lawyers, contact Preszler Injury Lawyers for a free initial consultation or call 1-888-494-7191. We can deal with the insurance company while you focus on your health.

What is Long-Term Disability Insurance?

The absence of a stable income can make it challenging to pay for household expenses and support your family. Tragically, each year, many Albertans fall ill or get injured, rendering them unable to work. On average, over 27% of Canadians above the age of 15 have disabilities that restrict their daily lives, including their work capacity. Long-term disability policies are designed to provide financial support so you can prioritize your health over your bills.

Long-term disability insurance is commonly available through your employer’s group disability insurance policy. If this is the case, your employer likely pays the premiums. Sometimes this cost can be covered by both the employer and the employee. You can also purchase this insurance privately through a broker.

When your insurance company assesses your eligibility to receive long-term disability benefits, it will look for proof that you are unable to work in your current job. This is known as the “own occupation test.” If you do receive benefits, your insurance company may reassess after two years to determine if you are able to work in any other job that you may be qualified for. This is known as the “any occupation test.” Keep in mind that your insurance company will make a careful analysis to see if you qualify to receive benefits.

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We are here to help Albertans get the compensation and benefits they deserve after being injured in an accident. We take this responsibility very seriously. Book your free call with our personal injury lawyers today and let us help you.

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What Conditions May Be Covered By Long-Term Disability Insurance?

Some policies will place exclusions on certain conditions. For instance, certain policies may only cover disabilities caused by accidents but not illnesses, while others may not provide coverage for disabilities caused by certain actions, such as bungee jumping.

Each policy has different rules and requirements, which is why it is important to check the terms and conditions of your policy. Some conditions frequently covered under long-term disability policies are:

• Fibromyalgia
• Multiple sclerosis
• Arthritis
• Post-traumatic stress disorder (PTSD)
• Herniated discs
• Heart disease
• Neurological disorders
• Panic attacks
• Back pain
• Migraines
• Crohn’s disease
• Psychological disorders
• Paralysis
• Lyme disease
• Lupus
• Cancer
• Musculoskeletal injuries
• Depression
• Anxiety
• Bipolar mood disorder
• And more

Symptoms that are difficult to measure with a single test can still be disabling. Chronic pain, fatigue, depression, anxiety, and other conditions may seriously interfere with concentration, stamina, mobility, attendance, and performance at work.

As long as you can show that you have a medical condition that limits your ability to work, you may be eligible to apply for long-term disability. If your insurance provider denies your claim for long-term benefits, schedule a free initial consultation with our Spruce Grove long-term disability lawyers today.

The Role Your Doctor Plays in Your Long-Term Disability Claim

Your doctor will play a key role in your application. Without strong support from your doctor, your claim will likely be rejected. When you make a claim, your insurance company will ask for medical support that proves you cannot work.

When you apply, work closely with your doctor to ensure they provide detailed notes to your insurance company. Your doctor will need to specify how your condition prevents you from performing your job’s usual tasks and duties. You may need to follow up with your doctor to ensure you can submit your forms on time. It’s also vital that you follow the treatment plan recommended by your doctor. Your insurance provider will likely expect you to take steps to mitigate your situation as best you can.

Navigating a long-term disability benefits application can be overwhelming and confusing. Our Spruce Grove personal injury lawyers can help you navigate the process.

Why LTD Benefits Are Denied Or Terminated

Insurance companies often deny or stop LTD benefits at stressful points in a claim. A denial may happen at the application stage, after benefits have been paid for some time, or around the two-year change in definition.

Some common reasons our Spruce Grove LTD lawyers have been given for rejection include:

• The insurer says you are not “totally disabled” under the policy
• The insurer says there is not enough medical evidence
• The insurer relies on surveillance, social media, or activity evidence
• The insurer says you can return to work or do another occupation
• The insurer says your condition is excluded or pre-existing
• The insurer says you have not followed treatment recommendations
• And more

By law, insurers are generally expected to handle claims fairly and in good faith. If an insurer denies a valid claim without proper justification, a disability lawyer may be able to help dispute the decision and pursue benefits that should have been paid.

How Our Spruce Grove Long-Term Disability Team Can Help You with a Denial

Having your long-term disability benefits denied or terminated can be difficult and unfair. You may feel that you have no options left in your time of need. We are here to tell you that you are not alone. For people in Spruce Grove, Stony Plain, Parkland County, and the west Edmonton region, LTD disputes may involve employer group plans, privately purchased policies, and medical evidence from local family physicians, specialists, rehabilitation providers, and mental health professionals.

Our team of long-term disability lawyers in Spruce Grove is here to help. We aim to level the playing field between you and large insurance companies. We have years of experience in disability law and will use our resources to support your claim.

Once retained, our team can handle communications and negotiations with the insurance company, review the denial letter and policy wording, request relevant records, work with medical evidence, and build a claim that explains why benefits should be paid.

Book A Free Consultation With Our Spruce Grove Long-Term Disability Lawyers

Getting LTD benefits denied or stopped can feel unfair and overwhelming. You do not have to deal with the insurance company alone. Our Spruce Grove long-term disability lawyers may be able to help you challenge the denial and pursue the compensation and benefits you are owed.

Schedule a free initial consultation with Preszler Injury Lawyers today. Our phone lines are open 24/7 at 1-888-494-7191. Serving all of Alberta.

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FIGHTING FOR LTD BENEFITS IN SPRUCE GROVE?