Chronic illnesses, debilitating injuries, and severe mental health disorders often make it impossible for Restigouche County residents to continue performing the duties of their jobs. Upon developing severe, disabling medical conditions, people who can no longer work as a result may struggle keeping up with their basic costs of living in addition to necessary medical expenses. In these difficult scenarios, injured or ill individuals may face serious financial challenges.
Many injured or ill individuals with appropriate insurance coverage come to rely on disability benefits when their medical conditions make it impossible for them to continue working. Disability benefits may be available through their employer’s group insurance plan. Additionally, self-employed privately-insured Restigouche County residents may have access to disability benefits through their own insurance policies.
Disability benefits do not provide injured or ill employees with full salary replacement payments. Instead, eligible benefits claimants typically receive between 60-70% of their normal wages. In many situations, severely injured or ill policyholders come to rely on their monthly disability payments to keep themselves and their families financially solvent.
Eligible policyholders submitting claims for disability benefits are often required to include supplementary medical evidence along with their applications, proving that they have been receiving ongoing treatment for their condition and illustrating the impact their diagnosis has on their ability to complete the tasks of their occupation. In your application for long-term disability benefits, you may be required to provide medical evidence proving that you have a disabling condition, and that you’ve been receiving ongoing treatment for it. Evidence you may be required to submit along with your application may include:
- Medical records
- Results of medical examinations
- Statements from your attending physicians
- A detailed description of your job duties
- A statement from your plan sponsor (i.e. your employer)
- Other documentation proving that your medical condition prevents you from performing the duties of your job.
Unfortunately, insurance companies often unfairly scrutinize claims for disability benefits. Even if you include thorough, extensive medical evidence in your application for benefits, for a number of reasons, your insurance provider may determine that you are not eligible to receive these monthly payments.
For those who are unable to continue working because of their life-altering medical conditions, receiving a denied claim for disability benefits can cause a great deal of fear and anxiety. Injured or ill workers whose claims have been denied may worry about making ends meet, paying their bills, affording necessary costs of medical care, and keeping their families financially stable. While denied policyholders may be entitled to appeal their insurance provider’s unfair determination, picking a fight with a large insurance company can seem like an impossible feat.
That said, with assistance from our disability lawyers serving Restigouche County, policyholders whose claims for disability benefits were unfairly denied may be able to overturn their insurance company’s initial determination. Our Restigouche County disability lawyers have a proven track record of helping wronged community members recover the benefits to which they are entitled.
If you were denied the disability benefits you are rightfully owed, book a free initial consultation with our disability lawyers serving Restigouche County to learn about options that may be available to you.
Free Consultation for Restigouche County Residents – We Don’t Get Paid Unless We Win
Our Restigouche County disability lawyers appreciate how demoralizing and worrisome it can be to receive a denied claim for disability benefits. In order to remove financial barriers to accessing our services, Preszler Injury Lawyers offer a free initial consultation to all prospective clients. Additionally, our disability lawyers serving Restigouche County work on a contingency-fee basis. That means, if you are eligible to take legal action against your insurance provider, you will not pay for our services unless we win your case.
To learn if you may be eligible to overturn your insurance provider’s unfair determination, schedule your free initial consultation with our Restigouche County disability lawyers today.