Long-Term Disability Insurance for Lab Technicians
You are exposed to hazardous chemicals and compounds daily as a lab technician. Those dangerous materials may cause issues that result in you being unable to work. Additionally, other substantial stressors on the job may cause serious injuries. Due to the potentially harmful nature of lab technician work, many jobs offer long-term disability (LTD) insurance as a company benefit. You may also purchase LTD insurance independently to protect you if you cannot work because of an injury or illness. The long-term disability attorneys of Capitan Law can help you file your LTD insurance claim if you have not already filed your claim.
Unfortunately, insurance companies will sometimes wrongfully deny your LTD insurance claim for various reasons. However, hope is not lost if your insurance company wrongfully denies your LTD claim. The attorneys of Capitan Law have experience helping individuals just like you with a wide range of occupational disabilities. With our skills and expertise, we can help you appeal your claim denial and fight for the compensation you deserve. Don’t waste more time figuring out what you’ll do without your LTD benefits. Contact Capitan Law today for a confidential consultation to discuss your options.
What Is Long-Term Disability Insurance?
LTD insurance is a private insurance program you can get through most employers or purchase on your own if your company does not offer it. The purpose of LTD insurance is to help you pay your bills if you cannot work for an extended period because of a covered injury or illness.
The terms of coverage depend on the policy that you have. If you have LTD insurance, you should carefully review your policy to determine your coverage level. In most cases, LTD insurance replaces a percentage of your pre-injury or illness income. This percentage is usually around 60 percent, meaning if you make $10,000 per month and your LTD policy is for 60 percent of your income, you would receive $6,000 monthly.
Additionally, many LTD companies require that you cannot work for a specific amount of time before LTD benefits will begin. This is known as the waiting period, and it can range from 30 to 180 days or longer, depending on your policy. As a result, you should carefully review your policy to understand your policy’s eligibility, waiting period, and benefit requirements.
Medical Problems Lab Technicians Are at Risk of Getting
Lab technicians face a variety of health conditions because of their duties. Common health conditions that you may be at risk of because of your job as a lab technician include:
- Repetitive strain injuries: You may develop a repetitive strain injury (RSI) because of the repetitive motion involved in your job, such as pipetting, typing, or using a microscope. Common RSI injuries are carpal tunnel syndrome, tennis elbow, and trigger finger.
- Eye strain: You may experience strain due to the constant use of a microscope and other instruments with bright lights. Eye strain can cause headaches, fatigue, and vision issues.
- Chemical exposure: You may be exposed to hazardous chemicals such as acids, solvents, and reagents. Chemical exposure can lead to skin irritation, respiratory problems, and other severe health conditions that make it impossible to work.
- Musculoskeletal disorders: You may develop musculoskeletal disorders because of the job’s physical demands, such as standing for long periods and lifting heavy objects.
- Radiation exposure: If you work with radioactive materials, you may be exposed to ionizing radiation. Radiation exposure can lead to severe health conditions like cancer and radiation poisoning.
Why an Insurance Company May Deny Your LTD Claim
Long-term disability claims are complex and require a lot of supporting documentation. Typically, insurance companies are looking for reasons to deny claims because they are for-profit companies whose primary goal is to make money. Insurance companies make money by collecting premiums and paying out as little as possible on claims. As a result, an insurance company may deny your LTD claim for a variety of reasons, including:
- Failure to meet the definition of disability
- Insufficient medical evidence
- Pre-existing condition
- Failure to meet eligibility requirements
- Failure to provide requested information
If your insurer denied your long-term disability claim, you could appeal the decision.
Why Choose Capitan Law to Help You with Your LTD Claim?
The attorneys of Capitan Law have years of experience helping clients seek the compensation they deserve from their LTD insurance. We put the skills and knowledge we have developed over the years to work for you. We can help you by:
- Filing your insurance claim on your behalf: If you haven’t filed your LTD claim, we can gather evidence and help you file your insurance claim.
- Filing an appeal: If your LTD insurance claim was denied, we could help you file an appeal with the insurance company. During this process, we can help you gather and present additional medical evidence supporting your claim and ensure all required documentation is submitted.
- Representing you in court: If your case goes to trial, a long-term disability attorney can represent you by making persuasive arguments and presenting evidence to support your case.
- Providing legal support and guidance: The legal process of a long-term disability claim can be stressful. An experienced attorney can provide you with the support and guidance you need so that you feel comfortable focusing on yourself and your recovery. At the same time, they can deal with the insurance company, so you don’t have to.
- Handling paperwork and communications: Disability claims require a lot of paperwork and communication with insurance companies. Your attorney can handle all of that for you effectively and efficiently.
Contact Capitan Law for a Free and Confidential Consultation Today!
If you are struggling to file or get approval for your LTD insurance claim, the attorneys of Capitan Law are ready to help. Over the years, we have helped many clients pursue their much-needed disability benefits. Using our experience and knowledge, we will fight for your best interests and help you pursue the benefits you deserve.
To discuss your legal options, contact us today for a confidential case evaluation at (267) 419-7888 or online.