Disability benefits are designed to help workers whose physical injuries, chronic illnesses, and/or disabling mental health conditions make it impossible for them to continue carrying out the tasks of their job. Disability benefits could be available through an employer’s group insurance plan or through a privately held insurance policy, provided the respective plans include an appropriate level of coverage.
Different insurance policies provide different levels of coverage. They also have different definitions of what constitutes a disabling medical condition. Before submitting a claim for disability benefits, it might be advisable to review your insurance plan’s eligibility requirements to make sure your medical condition could qualify you to receive disability benefits.
Although eligibility requirements for disability benefits varies between policies, conditions that may make entitle an insurance policyholder to receive them often 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
Recipients of disability benefits receive monthly income replacement payments from their insurance provider. Generally speaking, the payments provided equal between 60-70% of a benefits recipient’s regular wages. Although disability benefits do not replace a recipient’s total regular salary, they often provide injured or ill workers with much-needed financial assistance during an extraordinarily difficult time in their lives. Unable to continue working in their chosen fields and unable to earn their regular incomes, severely injured and chronically ill individuals may experience overwhelming financial distress and develop legitimate anxieties about their abilities to support themselves and their families.
Sadly, insurance providers frequently find reasons to deny disability claims from policyholders who should be eligible to receive them. Policyholders or their employers pay monthly premiums to their insurance companies so that, in the event of a life-changing medical diagnosis, they will be able to rely on the funds to which they should be entitled. Unfortunately, even after submitting thorough medical evidence proving the severity of their condition and the impact it has on their ability to perform the duties of their jobs, policyholders often find themselves struggling to make ends meet after receiving an unfairly denied benefits claim.
If your claim for benefits was denied and the payments you should be entitled to were withheld, our disability lawyers serving Truro may be able to help. Our Truro disability lawyers have a history of standing up to unfair insurers and fighting on behalf of the clients we represent. If your claim was wrongfully denied, our disability lawyers serving Truro may be able to help you recover the income replacement payments you are rightfully owed, as well as any other damages resulting from your claim’s initial denial.
To review the details of your case and learn how our Truro disability lawyers may be able to help, schedule a free consultation by calling Preszler Injury Lawyers today.
Free Consultation for Truro Residents – We Don’t Get Paid Unless We Win
Our disability lawyers serving Truro work on a contingency-fee basis. That means, if your claim for benefits was unfairly denied even though the terms of your policy should entitle you to receive them, Preszler Injury Lawyers will not require any payment from you unless we win your case.
Preszler Injury Lawyers also offer a free initial consultation to all prospective clients. To learn about options for financial recovery that may be available to you, call our Truro disability benefits lawyers today and receive a free initial consultation.