If you have received a diagnosis for a disabling medical condition, provided you have the appropriate level of insurance coverage, you may be eligible to submit a claim for disability benefits. Designed to provide monthly income replacement payments to insurance policyholders whose physical injuries, chronic illnesses, or debilitating mental health issues prevent them from performing the duties of their jobs, disability benefits are often a much-needed source of financial relief for people experiencing very challenging times.
While disability benefits do not provide recipients with compensation for their entire regular salary, claimants often come to rely on these monthly payments to help them make ends meet. Disability benefits generally replace between 60-70% of a recipient’s normal wages. For a seriously injured or ill Miramichi resident who is no longer able to work, disability benefits can make all the difference between financial stability and distress.
Although eligibility requirements for disability benefits vary between insurance policies, some medical conditions that may entitle a policyholder 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
Miramichi residents may have access to disability benefits through their employer’s group insurance plan. They may also pay into a privately held insurance policy that covers disability. If their insurance policy offers disability benefits and the policyholder or their employer has regularly paid the requisite monthly premiums, it could be assumed that, when they develop a disabling medical condition that meets their policy’s eligibility requirements, they should be able to collect the disability benefits to which they are entitled.
However, for a number of reasons, insurance providers may find reasons to deny an eligible policyholder’s claim for disability benefits. Even if a chronically ill or critically injured insurance policyholder submits thorough medical evidence proving the severity of their condition and illustrating the effect it has on their ability to perform the duties of their job, insurance companies may decide to withhold their disability benefits. And while claimants who have received a denial should have the opportunity to appeal their insurance company’s determination, doing so without assistance can seem like a difficult, time-consuming, expensive, and ultimately futile process.
When injured or ill people cannot earn their regular salaries because of their medical conditions, receiving a denied claim for disability benefits can be more than disheartening; it can cause legitimate financial anxieties and emotional distress. Our disability lawyers serving Miramichi believe that no one should be forced to withstand the unfair treatment of their insurance provider. Our Miramichi disability lawyers have a history of taking on insurance companies who have unfairly withheld benefits from policyholders who both sorely need them and should be entitled to receive them.
If your claim for disability benefits was denied even though your medical condition should make you eligible to collect them, our disability lawyers serving Miramichi may be able to provide you with crucial legal assistance to help you recover the compensation you are owed. Our Miramichi disability lawyers offer a free initial consultation to all prospective clients. Call Preszler Injury Lawyers today to discuss your case at no charge.
Free Consultation for Miramichi Residents – We Don’t Get Paid Unless We Win
Our disability lawyers serving Miramichi appreciate the financial stress and anxiety facing denied benefits claimants. To best serve our community, we offer a free initial consultation with our Miramichi disability lawyers so that denied benefits claimants can learn about options that may be available to them without going to any expense.
On top of providing Miramichi residents with 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 insurance provider, you will not pay for our services unless we win.
To get started, book your free initial consultation with our disability lawyers serving Miramichi by calling Preszler Injury Lawyers today.