Vernon Long-Term Disability Lawyer

Long-term disability insurance is a great safety net for all residents of Vernon, whether your occupation and hobbies are relatively safe or border on extreme. Traffic wrecks happen unexpectedly, and undiagnosed illnesses can pop up at any time. When you get injured or sick and are unable to work for a prolonged period, disability benefits may kick in to provide you with the income you are lacking.

According to the Financial Consumer Agency of Canada, short-term disability benefits may supplement 60% to 85% of your normal income, while long-term disability (LTD) benefits may cover 60% to 70% of your normal income. These crucial funds can help you continue to pay rent or your mortgage, buy groceries, and afford your everyday needs. 

Unfortunately, applying for and receiving LTD benefits is not always straightforward. Many insurance companies may not prioritize your best interests when assessing your claim. While many LTD applications are genuinely valid, they may be denied anyway, leaving injured or ill people to suffer devastating financial blows. 

At Preszler Injury Lawyers, our Vernon long-term disability lawyers help clients facing unfair delays, denials, or terminations of their benefits. To discuss your options to recover the benefits you are entitled to, contact us today. 

How Our Vernon Long-Term Disability Lawyer Can Help You

Whether you were denied LTD coverage or were prematurely kicked off of the LTD benefits that you rely on, our Vernon long-term disability lawyers can help take away some of the worry, frustration, and confusion that you may be dealing with. 

Communicating with an insurance company is stressful, and understanding your policy and your insurer’s reasons for denial can be complicated. Our experienced LTD lawyers will deal with your insurance company and policy on your behalf, so you can focus on your health. 

Our legal team will also meticulously read through your policy and all of the fine print that applies. Insurance companies and policies across Vernon often have different terminology for “disabled,” and consequently different eligibility criteria. To ensure that your disability falls under a covered condition before you apply, we will carefully examine all relevant documents. 

Furthermore, you need to have a firm grasp on what your obligations are to your insurance company, as well as what its obligations are to you. The more boxes you check on your end of the deal, the higher the likelihood of receiving a positive outcome. A lawyer will help you understand your policy, collect evidence in your favour, and work with your doctor to provide a full scope of your disabling condition.

What is the Statute of Limitations for Filing an LTD Claim in Vernon?

When your insurer wrongfully denies, delays, or terminates your benefits, you may be entitled to file an internal appeal or launch a legal claim against the company. In both cases, the time you have to file your claim is not unlimited. 

There are many strict deadlines in place, and if you miss the statute of limitations, you may not be able to collect any benefits from your insurance provider. This is true even if it is clear that you should have received benefits upon your first application. A long-term disability lawyer in Vernon will ensure that you meet all deadlines and file all necessary paperwork properly and on time.

PUT OUR EXPERIENCE TO WORK FOR YOU

Tell Us About Your Case

For more than 60 years, Preszler Injury Lawyers has been helping people across British Columbia pursue the compensation they deserve for their long-term disability claims. As one of the country’s longest-standing personal injury law firms, our practice is devoted entirely to injury law and helping accident victims–it’s all we do.

Schedule a free consultation today to speak with our award-winning personal injury lawyers and find out if you have a case. Our legal team is available 24 hours a day, 7 days a week to take your call.

1-844-373-8202

What Qualifies as a Disability Under Vernon LTD Policies?

13.7% of Canadians suffer from one or more types of disabilities, according to Statistics Canada. The older we get, the higher our chances are of suffering from a disability. The most common disabilities and their corresponding prevalence among the population are

• Chronic pain: 9.7%;
• Flexibility: 7.6%;
• Mobility: 7.2%;
• Mental or Psychological: 3.9%;
• Dexterity: 3.5%;
• Hearing: 3.2%; and,
• Seeing: 2.7%.

Unfortunately, your insurance policy may not recognize you to be “disabled” simply for having pain. The policy may specify that the pain needs to be so great that it renders you incapable of performing your job. Similarly, an insurer may argue that a hearing disability does not affect your ability to perform quality work in your current occupation. An LTD lawyer will get to the bottom of what is and what is not covered by your policy to ensure that you collect the medical evidence and documentation you need.

Reach Out to a Vernon Disability Lawyer Today at No Cost

Whether it’s through your group plan at work or the private plan that you pay premiums for, you deserve access to the long-term disability benefits you need when you are unable to work. Our Vernon long-term disability lawyers at Preszler Injury Lawyers will hold your insurance company accountable for the benefits that you have rightfully earned. Call us today at 1-844-373-8202 to set up a free initial consultation.

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Denied Long-Term Disability Benefits in Vernon?