Why Your Long-term Disability Claim is Denied

Why Your Long-term Disability Claim is Denied

May 27

Approved long-term disability claims have tremendous benefits. One, you will get assistance from the financial troubles that have risen because of your disability. Two, you will have the peace of mind and avoid emotional and psychological problems that can arise from financially troubling times. And three, this peace of mind can prevent problems within your family and social circles.
But the issue is that not all long-term disability claims are approved, so not everybody gets to enjoy these benefits. It is even worse if legitimate cases have been denied. It is a good thing that there are professionals who focus on such instances, such as those from Fields Disability.
But why are claims denied? There are several reasons why, and the most common ones are enumerated below.

You are not truly “disabled”

You have to check the definition of disability in your policy plan. It can be very detailed, like when you are medically unable to fulfil your duties in a specific job. It can also be quite vague, like when you are medically limited to do any job. Whatever the case may be, you should fit the description in the policy plan, because if you don’t, you may not be able to claim that you are truly disabled and need financial assistance.
It also helps if you get the opinion of a medical professional, so you have enough proof and authority to claim that you really are disabled.

You don’t have enough medical evidence

Of course, you can’t just go to the insurance company and claim you are disabled. You have to prove it, and the best way to do it is presenting medical evidence showing your disability. Usually, medical evidence comes in three forms: proof that you are getting regular treatment from a specific medical professional, medical records to validate such treatments, and official opinions from the treating physician.

You are still arguably capable

Insurance companies will make sure that you are truly disabled, not just in the medical sense, but also on how you move. They may have recordings of you, such as photos and videos, showing that you are still quite capable. These may be grounds for them to deny your claim or stop coverage. The best way to avoid these things is to not overexert yourself, because you will never know when someone is recording you to invalidate your claim.

Personal Injuries due to Unsafe Conditions

Personal Injuries due to Unsafe Conditions

Oct 03

Accidents can happen in any place, and even with the premises owner ensuring the safety of their patrons and costumers. A storeowner has the duty of care towards the safety and wellbeing of the people that they invite into their premises, therefore any injuries or accidents due to “unreasonable” conditions can be grounds for a personal injury claim. Premises liability is a common basis for recovering compensation for damages, especially when the accident resulted in serious injuries or damages. Visit the website to learn more about premises liability.

Slip and fall accidents are very common in premises liability cases, and there are various factors that can lead to such injuries. A snowy or icy path can cause a slip and fall accident, while warning signs, display, and poor lighting can hinder a person’s vision and block the way which can lead to a slip and fall accident. Regardless of the reason for the slip and fall accident, the store’s legal responsibility towards their customers can make them accountable for a personal injury claims that occurred within their premises. The cases will strongly rely on whether the store had or should reasonably have known of the unsafe conditions of their premises and failed to promptly take action to correct the problem.

There are ways to make the storeowner liable for injuries, such as when the he or she intentionally made the unsafe condition or that the storeowner knew of the unsafe conditions and neglected their duty of care which lead to the accident. Evidence of negligence or recklessness should be properly documented and presented in order to have a strong case and possible recovery for damages. In personal injury claims, the burden of proof lies in the victim and that they should prove that they were acting with reasonable caution while inside the premises and that the injuries where the direct result of the storeowners neglect of their duty of care. Showing strong evidence, mainly medical records, photographs, police reports or CCTV camera footage and the likes, are key in proving the negligence of the storeowner and will increase the chances of recovering damages.

Amusement Park Accidents and Premises Liability

Amusement Park Accidents and Premises Liability

Jul 13

In personal injury cases, premises liability generally refers to incidents where hazardous conditions in a given property lead to dangerous outcomes. The law expects property owners to follow basic safety standards in maintaining their premises. Whether it’s a public park or a private individual’s home, people who visit any premise should be welcomed with an assurance that they are within a safe environment. Property owners who fail to meet these criteria can be held accountable for any injury that may arise due to their negligence.

A popular destination that should be kept safe for visitors and properly maintained by property owners are amusement parks. As noted by personal injury lawyers in the website www.williamskherkher.com, amusement parks are extremely popular recreational destinations, typically packed with families during the warmer months of the year. Such popularity comes as no surprise considering that these places offer a host of facilities and activities enjoyable for individuals of any age. Unfortunately, much of the enjoyment brought about by amusement parks can be easily eclipsed by accidents caused lack of proper maintenance and upkeep. The dangers of amusement parks particularly stem from cases of mechanical failure, ride operator negligence, and poorly designed rides. All of these scenarios could be avoided if owners take extra care by following proper safety practices and protocols in maintaining their premises.

A Rhinelander personal injury lawyer would probably note that regardless of where a premises liability accident takes place, it’s important to note that the victims of such incidents have the right to pursue legal action and claim compensation for damages they’ve incurred during their ordeal. This is especially true for accidents that take place in popular destinations like amusement parks. When paying customers are invited to come to such places, there is an implicit understanding that reasonable measures have been taken by the property owner to ensure the safety of their patrons.