Very few of us think of long-term disability (LTD)as something that could happen to anyone at any time in life. This condition is not just one of physical restrictions, pain and discomfort. It causes a huge financial burden on the victim and the entire family. Inability to work in a profession that you’ve been trained for leaves you without an immediate source of income.  Along with this, your medical treatments, surgery, rehabilitation, follow-ups, medication, assistive devices etc have to be paid for. This causes a financial crisis. Finally, the emotional and psychological aspects are equally important. Depression, suicidal thoughts, lack of self-esteem, social isolation, behavioral issues, drug or alcohol dependence, aggression, rage, breakdown of personal relationships are some of the risks.

Victims are entitled to LTD benefits that can replace between 55-75% of gross-earnings. However, there are strict regulations and criteria that govern eligibility. If you’re entitled to Worker’s Compensation, you can apply with the help of an experienced long term disability claims lawyer. Robust evidence has to be presented to back your claim with inputs from authorized, reliable and respected experts in the field.

Insurance companies could deny your claim if your employer doesn’t provide the right documentation. Your injuries may not be properly documented by the treating doctor. LTD benefits may be terminated after two years and you have to re-apply in case you are unable to do any work to earn an income. If pre-existing conditions are discovered, your claim will be denied. You need to act immediately if your claim is denied to get the compensation you deserve.