Disability benefits can be a vital source of income for Saint John residents who are unable to work because of a medical condition they have acquired. So long as people have the appropriate level of coverage through their employer’s group insurance plan or a privately held policy, they may qualify to receive disability benefits if a physical illness or injury, or a disabling mental health condition prevents them from working.
Disability benefits can provide much-needed financial relief to those who are unable to return to the workplace because of an injury, illness, or mental health concern. Even though these insurance benefits do not provide disabled employees with the total amount of their regular wages, disability benefits generally replace between 60-70% of their normal earnings. Those who are unable to return to work may come to rely on disability benefits to make ends meet, and cover the costs of necessary medical expenses.
In order to apply for disability benefits, employees with qualifying medical conditions must submit an application to their insurance provider. This application may require prospective claimants to provide substantiating medical evidence illustrating how their condition prevents them from performing their job, and proving that they have been receiving ongoing regular treatment for this condition. These supplementary application materials 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
However, even if an applicant’s medical condition makes it impossible for them to carry out the duties of their occupation, and even after submitting thorough medical evidence proving the severity of their condition, insurance providers often deny claims for disability benefits. Denied applications for disability benefits can be disheartening and very confusing. It can often be difficult to understand why an insurance provider would deny legitimately disabled policyholders the chance to access the payments they are rightfully owed.
If your insurer has denied your claim for disability benefits even though your medical condition prevents you from performing the duties of your job, our disability lawyers serving Saint John may be able to help you overturn their unfair determination by filing a civil claim against them.
The idea of waging a legal battle against a large insurance company may seem daunting, futile, and costly. However, our Saint John disability lawyers appreciate that people who rely on these benefits do not have time or money to waste on frivolous legal action. We invest in the clients we represent by working on a contingency-fee basis. That means, if your case is not resolved in your favour, we do not get paid. Our disability lawyers serving Saint John are passionate about helping injured or ill members of the local community access the compensation they deserve.
Free Consultation for Saint John Residents – We Don’t Get Paid Unless We Win
To learn more about how Preszler Injury Lawyers may be able to help you recover the insurance benefits you are owed as well as additional compensation to which you may be entitled, book a free, initial consultation with our disability lawyers serving Saint John today.