Depending on their level of severity, chronic illnesses, physical injuries, and mental health issues may impede a person’s ability to work. When injuries, physical illnesses, or mental illnesses make it impossible for someone to continue performing the duties of their job, they may face a great deal of uncertainty. If they are unable to continue working and, as a result, are unable to earn their regular wages on account of their medical conditions, disabled workers may experience overwhelming anxieties and financial distress.
However, provided they have an insurance policy with an appropriate level of coverage, Glace Bay residents who have acquired medical conditions that prevent them from working may be able to find some financial relief through disability benefits. Although disability benefits do not fully replace a recipient’s lost wages, they can provide financial compensation for between 60-70% of an eligible policyholder’s regular earnings. Paid in monthly installments, disability benefits are often crucial sources of income for people with debilitating medical conditions.
Since each insurance policy has different eligibility requirements claimants must meet in order to apply for disability benefits, it is important to review your policy’s terms and conditions before submitting an application. However, some medical conditions that often meet insurance policies’ eligibility requirements for 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
In Glace Bay, workers may qualify for disability benefits through their employer’s group insurance plan, or by paying monthly premiums for their own privately held insurance policy. Either way, policyholders pay monthly premiums to their insurance provider so that, should an unfortunate situation arise, they should be able to receive the coverage to which they are entitled. Unfortunately, in many instances, insurance providers often find reasons to deny their policyholders’ claims for disability benefits.
Even claims submitted for a legitimate medical grievance substantiated with thorough medical evidence illustrating its severity and its adverse effects on an applicant’s ability to perform their job may be denied by insurance providers.Often, the reasons insurers provide to justify a claim’s denial can be difficult to comprehend.
Upon receiving a denied claim for disability benefits, applicants should have the opportunity to appeal their insurance provider’s decision. However, after acquiring a disabling medical condition, the process of appealing a denied claim can seem long, complicated, and expensive.
However, at Preszler Injury Lawyers, we are passionate about standing up for the rights of unfairly treated insurance policyholders, and representing their best interests in arbitration with insurance providers. Our disability lawyers serving Glace Bay have a proven track record of helping denied claimants recover the benefits they are owed, as well as financial compensation for other damages they may have incurred as a result of their denied claim.
If your claim for disability benefits was denied even though your medical condition should entitle you to receive them, our Glace Bay disability lawyers may be able to provide you with crucial legal assistance and advice. To learn about options for financial recovery that may be available to you, call Preszler Injury Lawyers to review your case during a free initial consultation with our disability lawyers serving Glace Bay.
Free Consultation for Glace Bay Residents – We Don’t Get Paid Unless We Win
Our Glace Bay disability lawyers appreciate the financial uncertainty that often follows a denied claim for disability benefits. As such, we strive to remove financial barriers to our service by providing a free initial consultation to all prospective clients, in addition to working on a contingency-fee basis. If you are eligible to work with our disability lawyers serving Glace Bay, you will not pay for our legal services unless we win your case.
To learn more about how our Glace Bay disability lawyers may be able to help with your case, contact Preszler Injury Lawyers today for a free initial consultation.