Sydney Disability Lawyer
Many insurance policyholders pay monthly premiums for insurance plans covering disability benefits. Certain residents of Sydney may have access to insurance coverage through their employer’s group plan; others may have an appropriate level of coverage through a privately held policy that they pay for independently. Paying monthly premiums to your insurance provider for a policy with the appropriate level of coverage should entitle you to claim disability benefits if a chronic illness, physical injury, or mental health issues prevents you from performing your job. However, for a number of different reasons, insurance providers often deny eligible applicants’ claims for benefits.
When a serious medical condition makes it impossible for a person to fulfill the duties of their jobs, disability benefits can be a vital source of income. When injuries or illnesses curtail a person’s ability to earn their regular wages, maintaining financial stability can be an overwhelming challenge. In addition to adjusting to a different quality of life and overcoming physical or mental difficulties, disabled workers must find ways to continue paying their regular bills as well as expenses related to their newly acquired costs. Without their regular income, the challenge of making ends meet can feel insurmountable.
That is why disability benefits are such a income source for disabled workers. While they do not replace the full salary an injured or ill worker would typically receive, disability benefits typically provide eligible policyholders with monthly payments of between 60-70% of their regular earnings.
Eligibility requirements vary between insurance policies. However, some medical conditions that may entitle 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
Unfortunately, insurance providers often deny claims for disability benefits, even when they are submitted for legitimate medical grievances by policyholders in good standing. Even if an applicant supplies sufficient medical evidence proving the severity of their condition, illustrating its effects on their ability to complete their jobs, and substantiating the claim that they have been receiving ongoing treatment for it, insurers may decide to withhold the payments to which they should be entitled.
Insurers may deny disability claims for a number of reasons. In many cases, the reasons they provide for a denied claim can be difficult to understand, especially upon submitting thorough medical evidence substantiating one’s claim. And while denied benefits applicants should have the opportunity to appeal an insurance company’s unfair determination, standing up to a large insurance provider can feel like another impossible challenge for an injured or ill person to try navigating.
Preszler Injury Lawyers have a history of standing up to insurance companies who have unfairly denied eligible policyholders the benefits they rightfully deserve. If you are unable to work because of an injury or illness but your claim for benefits has been denied, our disability lawyers serving Sydney may be able to help you overturn your insurer’s unfair determination.
If you are eligible to pursue legal action against your insurance provider, our Sydney disability lawyers may be able to help you recover the benefits payments you are owed, as well as other applicable damages, if available. To learn how our disability lawyers serving Sydney may be able to help with your case, schedule a free initial consultation with Preszler Injury Lawyers today.
Free Consultation for Sydney Residents – We Don’t Get Paid Unless We Win
In addition to providing a cost-free, no-obligation initial consultation, our Sydney disability lawyers endeavour to remove financial barriers to accessing our services by working on a contingency fee basis. That means, if we work on your case, you will not be required to pay us unless we win.
To receive the benefit of our legal advice during a free initial consultation, contact our disability lawyers serving Sydney today.