Disability benefits typically replace between 60-70% of an eligible worker’s regular wages after they have received a diagnosis for a disabling medical condition. Available to those with the appropriate level of insurance coverage, disability benefits can be a crucial source of income for people whose lives have been disrupted by a chronic illness, severe injury, or disabling mental health condition.
People may have access to disability benefits through their employer’s group insurance plan. They may also pay into a privately held insurance policy which covers disability benefits. If the medical condition they have sustained makes it impossible for policyholders with the appropriate level of insurance coverage to complete the tasks associated with their job, they may be eligible for disability benefits.
Different insurance policies provide different levels of coverage. They also have different definitions of what they consider to be a disabling medical condition. That said, examples of medical conditions that might qualify 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
After sustaining a severe injury or developing a serious physical or mental illness that makes it impossible to continue working, many people face financial uncertainty. In addition to acquiring new expenses related to their recovery, injured or ill people who can no longer complete the duties of their job may incur substantial financial losses related to their lost wages. In these cases, disabled people often struggle under the weight of their regular and newly acquired financial obligations. They may face significant challenges supporting themselves and their families. Developing a disabling medical condition can have profound, adverse effects on a person’s overall quality of life. Disability benefits can make all the difference between staying financially solvent and facing financial ruin.
However, insurance companies frequently deny policyholders’ claims for disability benefits. They may do so for a number of reasons, many of which can be difficult to comprehend. Receiving a denial for a much-needed disability benefits claim can be a demoralizing, anxiety-inducing experience. And while policyholders whose claims have been denied should have the opportunity to appeal their insurance provider’s decision, doing so can feel like an extremely difficult process, especially while adjusting to life with a disabling medical condition.
If your medical condition makes it impossible for you to do your job but your insurance claim was denied, our disability lawyers serving New Glasgow may be able to help you overturn your insurer’s unfair determination. By consulting with our New Glasgow disability lawyers, you can learn about options that may be available to you.
To review the circumstances of your case and see if you may be entitled to financial compensation, schedule a free initial consultation with our disability lawyers serving New Glasgow by calling Preszler Injury Lawyers today.
Free Consultation for New Glasgow Residents – We Don’t Get Paid Unless We Win
Preszler Injury Lawyers have a history of standing up to the unfair tactics often used by insurance providers to withhold benefits payments from eligible policyholders. Our New Glasgow disability lawyers are passionate about helping members of the community who have been treated unfairly by their insurer. Our disability lawyers serving New Glasgow fight on behalf of the clients we represent to help get them the compensation to which they are entitled.
To discuss your situation in a no-obligation first meeting, call Preszler Injury Lawyers and book your cost-free initial consultation with our New Glasgow disability lawyers.