If you were diagnosed with a physical injury, mental health condition, or chronic illness that makes it impossible for you to perform the duties of your job, you may be eligible for disability benefits– provided you have the appropriate level of insurance coverage. You may have disability coverage through your employer’s group insurance plan, or through an insurance policy you have purchased privately.
Disability benefits provide essential financial support to people who, through no fault of their own, can no longer complete the tasks of their occupation because of an acquired medical condition. Although these income replacement payments usually only provide disabled workers with between 60-70% of their regular earnings, disability benefits can make a significant difference to people who are no longer able to earn their normal wages. WIthout access to disability benefits, injured and ill Amherst residents could find themselves in extremely precarious financial situations and struggle to keep themselves and their families afloat.
In order to apply for disability benefits, eligible insurance policyholders are often required to submit supplementary medical evidence proving that:
- They have received a diagnosis for a disabling medical condition.
- They have been receiving ongoing medical treatment for this condition.
- The symptoms of this medical condition prevents them from completing the tasks associated with their job.
By compiling thorough medical evidence, applicants should be able to substantiate their claims and illustrate how the medical conditions they have acquired make it impossible for them to continue working in their current occupation. Some evidence that may help prove the severity of their disabling medical conditions includes:
- Medical records
- Results of medical examinations
- Statements from your attending physicians
- A detailed description of your job duties
- A statement from your plan sponsor (i.e. your employer)
- Other documentation proving that your medical condition prevents you from performing the duties of your job
Unfortunately, for a number of reasons, insurance providers may deny applicants’ claims for disability benefits. Even policyholders in good standing who have sufficiently proven the debilitating effect their medical conditions have on their ability to perform their jobs may be unable to access the payments to which they should be entitled.
If you were diagnosed with a disabling medical condition that prevents you from working and your claim for insurance benefits was denied, our disability lawyers serving Amherst may be able to help. By working with our Amherst disability lawyers, you may be able to overturn your insurance provider’s unfair determination and recover your initially denied benefits payments. On top of that, our disability lawyers serving Amherst may be able to help you recover additional damages that arose as a result of your claim’s initial denial.
To discuss your situation and learn about options that may be available to you, schedule a free initial consultation with our Amherst disability lawyers by contacting Preszler Injury Lawyers today.
Free Consultation for Amherst Residents – We Don’t Get Paid Unless We Win
Our disability lawyers serving Amherst work on a contingency-fee basis. That means, if your claim for benefits was unfairly denied even though the terms of your policy should entitle you to receive them, Preszler Injury Lawyers will not require any payment from you unless we win your case.
Preszler Injury Lawyers also offer a free initial consultation to all prospective clients. To learn about options for financial recovery that may be available to you, call our Amherst disability benefits lawyers today and receive a free initial consultation.