Each year, many people across the country develop chronic illnesses, severe injuries, and debilitating mental health issues that make it impossible for them to perform the duties of their jobs. Provided they have the appropriate level of insurance coverage, these people may be able to collect disability benefits from their insurer, to help supplement their income while they are unable to work. Unfortunately, in this country, most claims for disability benefits are summarily denied.
In order to apply for disability benefits, eligible insurance policyholders are often required to submit supplementary 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, even after submitting the necessary evidence proving how their medical conditions impact their abilities to perform their jobs, injured or ill policyholders may face undue scrutiny from their insurance providers. Insurance companies may choose to deny disability benefits and withhold payments from deserving policyholders.
If your insurance plan includes disability benefits and you are a policyholder in good standing who has been diagnosed with a disabling medical condition that prevents you from working, you may be entitled to monthly income replacement payments. Although disability benefits do not fully replace recipients’ full salaries, they typically cover between 60-70% of a policyholder’s normal wages. For disabled people who can no longer work and, therefore, no longer earn their regular incomes, disability benefits payments can help them maintain some degree of financial security.
If your claim for disability benefits was denied even though you believe your medical condition should entitle you to receive them, you should have the opportunity to appeal your insurer’s decision. However, without proper assistance, the process of doing so can seem overwhelming.
Preszler Injury Lawyers have experience standing up to the unfair tactics often employed by insurance companies to deny benefits to eligible policyholders. If your claim was unfairly denied, our disability lawyers serving Bathurst may be able to help you overturn your insurer’s wrongful determination.
If you are eligible, our Bathurst disability lawyers may be able to help you recover compensation for benefits payments that were previously withheld from you, in addition to other damages you may have incurred because of your claim’s initial denial. To learn more about how our disability lawyers serving Bathurst may be able to help with your case, call Preszler Injury Lawyers today and receive a free initial consultation.
Free Consultation for Bathurst Residents – We Don’t Get Paid Unless We Win
Our disability lawyers serving Bathurst know that people who have been denied disability benefits have neither the time nor the funds to waste. That is why we offer a no-obligation initial consultation, during which denied benefits applicants will have the opportunity to receive the benefit of our legal advice at absolutely no charge.
Plus, Preszler Injury Lawyers work on a contingency-fee basis. That means, if we do not win your case, you will not be required to pay for our services. To learn more about options that may be available to you, take advantage of your free initial consultation by calling our disability lawyers serving Bathurst today.