If you have been diagnosed with a physical illness, injury, or mental condition that makes it impossible for you to work, if you have the right level of insurance coverage, through your employer’s group plan or your own privately held policy, you may be entitled to disability benefits. Disability benefits are designed to provide income replacement payments to those policyholders who, because of newly acquired illnesses or injuries, cannot carry out the tasks associated with their jobs.
While eligibility requirements for disability benefits differ between insurance policies, common examples of medical conditions that might qualify insurance policyholders 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
Disability benefits do not provide compensation for a recipient’s entire regular earnings. Instead, they generally provide somewhere between 60-70% of an eligible claimant’s normal wages. That said, for those who can no longer make ends meet through no fault of their own, disability benefits may be the only source of income available to them. They could make all the difference between supporting oneself and one’s family and becoming financially insolvent.
Claimants applying for disability benefits are often required to submit medical evidence to their insurance provider along with their application. This evidence should be able to prove that the applicant has been receiving ongoing treatment for this disabling condition and that its symptoms make it impossible for them to perform the duties of their jobs. Types of evidence a claimant may be required to submit include:
- Medical records
- Results of medical examinations
- Statements from attending physicians
- A detailed description of job duties
- A statement from plan sponsor (i.e. employer)
- Other documentation
That said, even after supplying compelling, accurate medical evidence proving the severity of their condition and the adverse impact it has on their ability to return to work, policyholders who have applied for disability benefits often have their claims denied. And while denied applicants should have the ability to appeal their insurance provider’s initial determination, standing up to a large insurance company without assistance and while already suffering the debilitating symptoms of a disabling medical condition can seem like an impossible task.
However, if you have been diagnosed with a medical condition that prevents you from working and your claim for benefits was denied by your insurer, our disability lawyers serving Port Hawkesbury may be able to help you overturn your insurance provider’s unfair determination. Our Port Hawkesbury disability lawyers know the unfair tactics often used by insurance providers to withhold benefits payments from deserving policyholders, and pride ourselves in our ability to stand up for the rights of wrongfully denied benefits claimants.
Our disability lawyers serving Port Hawkesbury may be able to help you recover the compensation you deserve, including previously withheld payments and other damages that may have arisen from your claim’s initial denial. To review the details of your case during a free initial consultation with Preszler Injury Lawyers, call our Port Hawkesbury disability lawyers today.
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To learn more about how Preszler Injury Lawyers may be able to help with your case and receive the benefit of personalized legal advice from our disability lawyers serving Port Hawkesbury, call today to receive your free initial consultation.