British Columbia Long-Term Disability
If you are unable to perform the duties of your job because of a serious injury, severe illness, or a debilitating mental health condition, provided you have access to the correct level of insurance coverage, you might be eligible to receive long-term disability (LTD) benefits. You may have access to this level of coverage through your employer’s group insurance plan. If you are self-employed or have another insurance policy supplementing the coverage available to you through your employer, your privately held policy might provide coverage for long-term disabilities.
LTD benefits can provide essential monetary support to insurance policyholders who are unable to perform the duties of their jobs for an extended length of time. Before being able to apply for LTD benefits, eligible claimants are usually required to exhaust all other insurance benefits available to them, including Employment Insurance (EI).
Typically, LTD benefits provide recipients with between 60-70% of their regular wages. Depending on the insurance policy’s terms, that percentage might be subject to a salary cap.
But despite the fact that LTD benefits do not provide critically injured or ill recipients with their total monthly income, this form of insurance coverage can prove crucial to people who– through no fault of their own– are unable to continue working in their chosen occupational field. Without access to these regular income replacement payments, people who have received diagnoses for debilitating medical conditions and cannot go on carrying out the duties of their jobs could face financial insecurity and distress.
Eligibility requirements for LTD benefits vary from policy to policy. However, certain medical conditions that might entitle an insurance policyholder to receive LTD benefits include:
- Heart disease
- Back problems
- Chronic pain or complex regional pain syndrome (CRPS)
- Lupus or Lyme disease
- Psoriatic arthritis or fibromyalgia
- Bipolar mood disorder
- Post-traumatic stress disorder (PTSD)
- And possibly more
In order to apply for LTD benefits, claimants typically must provide their insurer with various forms of evidence. This evidence should substantiate the policyholder’s claim that their newly acquired medical condition makes it impossible for them to continue performing their jobs. People submitting LTD benefits claims may be required to provide their insurers with:
- Medical records
- Results of medical examinations
- Statements from attending physicians
- Detailed description of job duties
- Statement from employer/plan sponsor
- Other documentation proving the medical condition’s preventative impact on the claimant’s ability to carry out their job’s daily tasks
Unfortunately, although the people seeking LTD benefits often include thorough, compelling evidence along with their applications, insurance providers often find reasons to deny their claims. Sadly, throughout the country, this is an all-too common phenomenon. While insurance companies are under no obligation to reveal what percentage of LTD benefits claims are denied each year, it can be estimated that roughly 60% of disability claims are routinely turned down by insurance providers annually.
Most disabled applicants who receive denied claims for LTD benefits face monumental financial challenges. Some may be fortunate enough to have family members of loved ones to support them throughout this tumultuous time in their lives, but many do not. And without access to the insurance coverage to which they should be rightfully entitled, these denied applicants could find themselves with no other options.
If your claim for benefits was denied by your insurance provider even though your medical condition should entitle you to receive them, contact our British Columbia long-term disability lawyers today. At Preszler Injury Lawyers, all prospective clients receive a free initial consultation. By taking advantage of your cost-free, no-obligation first meeting with our long-term disability lawyers serving British Columbia, you could learn about legal options that might be available to you and receive important, personalized advice about your financial recovery. To learn more, call 1-800-JUSTICE today.
Why Consult with Our British Columbia Long-Term Disability Lawyers?
Insurance companies can deny claims for LTD benefits for a number of reasons, many of which can be downright perplexing. Our long-term disability lawyers serving British Columbia may be able to help you review why exactly your claim was denied, and potentially offer strategies for appealing the insurance company’s unfair decision.
If you are eligible to appeal your insurer’s determination, our British Columbia long-term disability lawyers may be able to help you secure the coverage you are rightfully owed from your insurance provider. On top of that, our long-term disability lawyers serving British Columbia might be able to help you fight for damages you have incurred as a result of your claim’s unfair denial.
Many insurance plans change their definitions of what constitutes a disability after a set period of time (typically two years). Unfortunately, most debilitating injuries, chronic illnesses, and severe mental health conditions rarely resolve themselves within such a short timeframe. Despite the fact that LTD benefits recipients are still unable to return to their places of work, their insurance providers may decide to prematurely terminate their benefits if their condition no longer meets their newly modified definition of disability.
If your LTD benefits were cut off even though your medical condition continues to prevent you from working, our British Columbia long-term disability lawyers may be able to provide you with crucial legal assistance in your pursuit of fair treatment from your insurance provider. To learn more about the ways Preszler Injury Lawyers may be able to assist you, contact our long-term disability lawyers serving British Columbia today.
You Don’t Pay Unless We Win
At Preszler Injury Lawyers, we appreciate that people whose claims for LTD benefits have been denied have neither the time nor the finances to waste. That is why our British Columbia long-term disability lawyers work on a contingency-fee basis. If you are eligible to file a claim against your insurance provider, you will not be required to pay for our legal services unless we win your case.
Without assistance from long-term disability lawyers serving British Columbia, standing up to large corporations can seem like a futile task, especially for those suffering from disabling medical conditions and struggling to keep afloat. Our British Columbia long-term disability lawyers are committed to helping injured or ill members of the local community get the fair treatment they deserve.
To learn how Preszler Injury Lawyers may be able to help you, call 1-800-JUSTICE and schedule your free initial consultation.