If you have sustained a serious injury, chronic physical illness, or severe mental health disorder, provided you have the appropriate level of insurance coverage, you may be entitled to disability benefits. Certain insurance plans provide income replacement payments in the form of disability benefits to people who can no longer work because of their debilitating medical conditions.
While disability benefits do not fully replace a recipient’s regular wages, they do provide between 60-70% of their normal earnings. For people who cannot continue performing the duties of their jobs because of the medical conditions they have acquired, these monthly payments can be critical sources of income, helping disabled people support themselves and their families through extraordinarily difficult times.
Depending on the terms and conditions of your insurance plan, the medical condition you have developed may qualify you to receive disability benefits. You may be able to recover disability benefits through your employer’s group insurance plan or through a privately held insurance policy to which you pay monthly premiums. Insurance policies provide various levels of coverage and have different eligibility requirements for various benefits. Before submitting an application for disability benefits, it would be prudent to review your policy and ensure that disability benefits are, in fact, available through your insurance plan, and that your condition entitles you to receive them.
When submitting an application for disability benefits, claimants are usually required to include supporting documentation to their insurance provider. This supporting documentation should illustrate the severity of your medical condition by proving that you have been receiving ongoing treatment for it and that its symptoms make it impossible for you to complete the tasks associated with your job. Some evidence you may be required to provide to substantiate your claim for disability benefits includes:
- 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, even after submitting detailed medical evidence proving the severity of your condition, your insurance provider may find reasons to deny your claim for disability benefits. Sadly, the majority of disability claims submitted to insurance providers across the country each year are denied, oftentimes for reasons applicants find difficult to understand.
Few situations are as demoralizing as receiving a denied claim for disability benefits. When people can no longer work, through no fault of their own, and have paid into an insurance policy meant to provide them with security should the unthinkable occur, receiving a denied claim can feel like a deep injustice.
Our disability lawyers serving Sydney Mines have a reputation for standing up to insurance providers who have unfairly denied disability benefits to the eligible clients we represent. By working with our Sydney Mines disability lawyers, you may be able to pursue legal action against the insurer that denied your claim in order to recover the benefits you are rightfully owed, as well as any other damages resulting from your claim’s initial denial.
To discuss your case and learn about legal options that may be available to you, schedule a free initial consultation with our disability lawyers serving Sydney Mines by calling Preszler Injury Lawyers today.
Free Consultation for Sydney Mines Residents – We Don’t Get Paid Unless We Win
At Preszler Injury Lawyers, we appreciate that being denied a crucial source of income like disability benefits can leave people in a financially precarious position. That is why our Sydney Mines disability lawyers seek to remove financial barriers to accessing our services. In addition to providing all prospective clients with a free initial consultation, our disability lawyers serving Sydney Mines work on a contingency-fee basis. That means, if you are eligible to pursue a claim, you will not pay for our legal services unless we win your case.
To learn how our Sydney Mines disability lawyers may be able to help with your case, call today for your free initial consultation.