When Fredericton residents develop serious physical injuries, medical conditions, and mental health issues that prevent them from working, if they have sufficient insurance coverage, they may be able to collect disability benefits. Generally replacing between 60-70% of a worker’s normal wages, disability benefits can provide crucial financial assistance for those who are no longer able to perform the duties of their jobs.
Workers may have access to disability coverage through their employer’s group insurance plan, or a privately held insurance policy. In order to qualify for disability benefits, claimants may be required to provide medical evidence proving their medical condition prevents them from working.
Some conditions that may qualify individuals to collect long-term disability 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
Eligibility requirements for disability benefits vary between insurance policies. If you are unsure whether your medical condition entitles you to collect monthly disability payments, our disability lawyers serving Fredericton may be able to review your policy and help clarify its terms in relation to your situation.
When submitting an application for disability benefits, claimants are usually required to include supporting documentation to their insurance provider. This supporting documentation should illustrate the severity of your medical condition by proving that you have been receiving ongoing treatment for it and that its symptoms make it impossible for you to complete the tasks associated with your job. Some evidence you may be required to provide to substantiate your claim for disability benefits 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
Even if you believe your medical condition should entitle you to disability benefits claims, your insurance provider may determine that you are not eligible to collect these monthly payments. Insurance companies deny disability claims for a number of reasons, many of which can be difficult to comprehend, especially for those with debilitating medical conditions.
If your claim for disability benefits has been unfairly denied by your insurance provider, our Fredericton disability lawyers may be able to help you fight their decision. Our disability lawyers serving Fredericton have a history of standing up against insurance companies who have refused to pay their eligible policyholders the benefits they are justly owed. To learn more about how Preszler Injury Lawyers may be able to help overturn your insurer’s unfair decision, schedule a free initial consultation with our Fredericton disability lawyers today.
Free Consultation for Fredericton Residents – We Don’t Get Paid Unless We Win
By pursuing legal action against your insurance provider for unfairly denying you the benefits you are owed, our disability lawyers serving Fredericton may be able to help you recover the following damages:
- Previously denied benefits payments
- Legal fees
- Damages for mental stress experienced
- Punitive damages
- And possibly more
To learn more about how Preszler Injury Lawyers may be able to help with your case, call our Fredericton disability lawyers today for your free initial consultation.