A severe, long-term injury or illness can alter your life in several ways. From missing work to meeting family responsibilities, a disability can add challenges to the everyday life of Penticton residents. If you have a disability that lasts more than a few days, you could have a viable claim.
In this situation, long term disability benefits could have a life-changing impact on an injured Penticton worker. These monthly payments can make up for lost wages, cover medical bills, and meet other basic needs. While insurance companies often make the claims process difficult, our team of Penticton personal injury lawyers can help make things easier.
At Preszler Law, we understand what these payments mean to you and your family. If you are ready to move forward, contact a Preszler Law personal injury lawyer as soon as possible.
The right to disability benefits
If a long-term disability insurance policy covers you, you have the right to seek benefits for any medical condition that puts you out of action for more than a few days. These benefits could compensate you for injuries as well as illnesses.
Injuries are a common basis for this type of claim. They could involve any part of the body, so long as they limit the victim’s ability to work, such as:
Not all disability claims are related to injuries, however. Some chronic medical conditions can prevent an employee from returning to work for extended periods. Examples of these include:
Deadline to file a claim
Several deadlines come into play with a long-term disability claim. First, your insurance policy sets a deadline to file a claim on your policy. If you fail to meet it, your insurance carrier has the right to deny your claim.
In some cases, a denial may require you to file a lawsuit against your insurance carrier. With the help of a long term disability lawyer, you could recover monetary compensation. However, these lawsuits also have a limitation period under British Columbia law. If you wait too long to file suit, you could lose the right to proceed.
Reach out to a Penticton long term disability lawyer
There is no requirement that you seek legal counsel during this process. Although you are entitled to move forward on your own, that does not mean it is wise. The insurance company has their lawyers who will work tirelessly to limit your recovery or deny your claim entirely. Due to the language of your policy, even a minor error could result in a denial.
With the help of Preszler Law, you can count on our experienced lawyers guiding you every step of the way. To learn more, call right away to schedule a free consultation.