Few experiences are more disheartening than receiving a denied claim for disability benefits. Many people who are chronically ill, severely injured, or experiencing debilitating mental health issues rely on their insurance coverage when their medical conditions make it impossible for them to continue working. With mounting costs of medical care, regular bills to pay, familial obligations, and the inability to continue earning their normal wages, denied disability claimants often find themselves in financial distress.
Unfortunately, by examining anecdotal evidence and reports regarding Canada Pension Plan (CPP) disability claims, it can be ascertained that more than half of the country’s claims for disability benefits are regularly denied. Even though policyholders with the appropriate level of coverage pay monthly premiums to their insurance provider, in many cases, when they legitimately require the benefits offered through their plan, they are denied the payments to which they should be entitled.
In Quispamsis, workers may pay into a group insurance plan through their employer, or may hold a private insurance policy so that they will be protected in case a medical diagnosis substantially impacts their ability to carry out normal activities. If these insurance plans offer disability benefits, one would assume that, if they meet the policy’s eligibility requirements, injured or ill policyholders should be able to access the financial protection they are duly owed.
Disability benefits are designed to replace a portion of a worker’s regular wages when a medical condition makes it impossible for them to continue performing the duties of their jobs. Even though they do not fully replace a claimant’s normal income, disability benefits typically provide compensation for between 60-70% of a policyholder’s regular earnings. During an extremely challenging time, these monthly income replacement payments can be an essential financial lifeline, providing crucial assistance to disabled workers struggling to make ends meet through no fault of their own.
To prove the severity of their newly acquired medical conditions and the impact they have on an applicant’s ability to complete their jobs, policyholders who submit claims for disability benefits often need to include supplementary medical evidence along with their application. This evidence could be used to illustrate that:
- The applicant has received a diagnosis for a disabling medical condition.
- The applicant has been receiving ongoing medical treatment for this condition.
- The symptoms of the acquired medical condition prevents the applicant from completing the tasks associated with their job.
However, even after including thorough medical evidence proving their claim, an applicant’s claim for disability benefits can be denied by their insurance company. And while denied claimants should have the opportunity to appeal an insurer’s unfair determination, for those who are severely injured, ill, and experiencing legitimate anxieties over their financial situations, the process of appealing a denied claim can seem expensive, complicated, and ultimately futile.
Our disability lawyers serving Quispamsis have a history of standing up to insurance companies who treat their policyholders unfairly. By working with our Quispamsis disability lawyers, injured or ill workers whose claims for disability benefits were wrongfully denied may be able to pursue legal action against their insurer in an attempt to overturn their initial decision.
If your claim for disability benefits was denied, our disability lawyers serving Quispamsis may be able to help you secure the benefits you are owed, back-payments for previously denied benefits, and depending on your situation, compensation for other damages you sustained as a direct result of your unfairly denied claim.
To review your situation and learn how our Quispamsis disability lawyers may be able to provide you with crucial legal assistance, schedule a free initial consultation with Preszler Injury Lawyers today.
Free Consultation for Quispamsis Residents – We Don’t Get Paid Unless We Win
Preszler Injury Lawyers seek to remove financial barriers to accessing our legal services so that community members in need can pursue justice in a manner that befits their financial situation. That is why, in addition to providing each prospective client with a free initial consultation, our disability lawyers serving Quispamsis work on a contingency-fee basis. That means, if you are eligible to pursue action against your insurance provider, you will not pay for our services unless we win your case.
Our Quispamsis disability lawyers invest in the clients we represent, and work tirelessly on their behalf to help them recover the justice they deserve. To get started, call Preszler Injury Lawyers today for your free initial consultation with our disability lawyers serving Quispamsis.