People who have sustained severe injuries, developed chronic physical illnesses, or acquired debilitating mental health conditions may find it impossible to continue performing the tasks associated with their jobs as a direct result of their newly acquired medical conditions. If disabled workers have the appropriate level of insurance coverage, they may be entitled to monthly income replacement payments in the form of disability benefits.
Although disability benefits do not fully replace recipients’ full salaries, they typically cover between 60-70% of a policyholder’s normal wages. For 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.
Disability benefits may be available through an employer’s group insurance plan, or through a privately held insurance policy. Although eligibility requirements differ between policies, some medical conditions that may entitle an insurance policyholder to access disability benefits often 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 disability benefits, eligible applicants are often required to submit substantiating evidence proving the severity of their medical conditions and illustrating the effects it has on their ability to perform their jobs. Types of evidence a claimant may be required to submit include:
- 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
However, even after including thorough supplementary evidence, policyholders’ claims for disability benefits could be denied by their insurance providers. When this happens, seriously injured or ill workers often develop legitimate anxieties over their abilities to continue supporting themselves and their loved ones.
Applicants whose claims for disability benefits have been turned down should be entitled to appeal their insurance company’s unfair decision. However, without assistance, standing up to a large insurance company can seem like an overwhelming, complicated, and futile task.
By working with our disability lawyers serving Campbellton, eligible policyholders may be able to overturn their insurance provider’s unfair determination. If your benefits claim was denied even though your medical condition prevents you from continuing to work, our Campbellton disability lawyers may be able to help you recover the benefits payments you are rightfully owed.
To learn more about how our disability lawyers serving Campbellton may be able to help with your case, call Preszler Injury Lawyers today and receive a free initial consultation.
Free Consultation for Campbellton Residents – We Don’t Get Paid Unless We Win
In order to remove financial barriers to accessing our important legal services, our Campbellton disability lawyers offer a free, no-obligation initial consultation to all prospective clients. During this cost-free first meeting with our disability lawyers serving Campbellton, prospective clients will have the opportunity to review the details of their case and learn about possible courses of action that might be available to them.
In addition to offering a free initial consultation, Preszler Injury Lawyers work on a contingency-fee basis. That means, if you are eligible to pursue legal action against your insurer, you will not be required to pay for our legal services unless we win your case.
To begin the conversation with our Campbellton disability lawyers, take advantage of your free initial consultation with Preszler Injury Lawyers today.