It may be impossible for you to continue performing the duties of your job after contracting a chronic physical illness, acquiring serious injuries, or developing severe mental health issues. In these situations, many Madawaska County residents find themselves in uncertain financial circumstances, unsure how to continue supporting themselves and their families without jeopardizing their health and well-being.
In these cases, provided you have sufficient insurance coverage, you may be able to find some financial relief by applying for disability benefits. Disability benefits are designed to provide injured or ill workers with a portion of their regular wages when their medical conditions prevent them from returning to work. Madawaska County residents may have access to disability coverage through their employer’s group insurance plan or through a privately held insurance policy that they pay into privately.
Although disability benefits do not provide compensation for an eligible policyholder’s total wages, they provide a level of financial security that may help keep them afloat, financially. Typically disability benefits cover between 60-70% of a recipient’s regular wages. These monthly payments can go a long way towards making ends meet, and can be an essential source of income for seriously injured or ill insurance policyholders.
Each insurance policy has different eligibility requirements and varying definitions of disability. Before submitting an application for disability benefits, it might be prudent to ensure that your medical condition is covered by the terms of your policy. Some conditions that may qualify an appropriately insured Madawaska County resident to collect 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 order to apply for disability benefits, eligible policyholders are usually required to submit evidence substantiating their claims. This evidence should illustrate the severity of their condition, detail the impact their condition will have on their ability to perform the duties of their job, and prove that the applicant has been receiving ongoing medical treatment for their condition.
However, even after submitting sufficient medical proof demonstrating that their medical condition makes it impossible for them to continue working, insurance companies frequently find reasons to deny disability claims. Disputing denied claims can seem like a lengthy, expensive, and often futile pursuit. Many demoralized policyholders whose claims have been unfairly denied simply walk away from the fight instead of pursuing legal action to recover the benefits to which they are legitimately entitled.
Our disability lawyers serving Madawaska County have a history of standing up to insurance companies who have unfairly decided to deny an eligible policyholder’s access to their hard-earned benefits. If your claim for disability benefits has been denied, even though your medical condition should entitle you to receive them according to the terms of your policy, our Madawaska County disability lawyers may be able to provide you with crucial assistance and advice.
To learn about options for financial recovery that may be available to you, schedule a free initial consultation with our disability lawyers serving Madawaska County today.
Free Consultation for Madawaska County Residents – We Don’t Get Paid Unless We Win
Preszler Injury Lawyers know that, if your claim for disability benefits has been denied, you do not have the time nor the funds to waste weighing your options about steps to take next. That is why our Madawaska County disability lawyers offer a free, initial consultation to all prospective clients. During this no-obligation first meeting with Preszler Injury Lawyers, you will have the opportunity to receive legal advice about how to proceed based on your specific circumstances, all at no cost to you.
To learn if our disability lawyers serving Madawaska County may be able to help you overturn your insurance provider’s unfair determination, call Preszler Injury Lawyers today for your free initial consultation.