Greeley Permanent Disability

Sustaining a permanent disability can be a life-altering experience, impacting not only your physical health, but also your emotional and financial well-being. Greeley residents who suffer permanent disabilities may be entitled to long-term disability benefits that can help provide financial support during this difficult time. However, navigating the complex process of applying for and obtaining these benefits can be challenging. At Eley Law, we have developed a reputation in the Greeley legal community of successfully assisting our clients to get all the benefits they are entitled to. Our Greeley permanent disability lawyers are dedicated to helping Greeley residents with permanent disabilities obtain the benefits they need to move forward with their lives. Contact us today for your free consultation.

Common Examples of Permanent Disabilities

Some examples of permanent disabilities we see at Eley Law include:

  • Amputations: Losing a limb, finger or toe due to an accident or medical condition can result in a permanent disability.
  • Spinal cord injuries: Injuries to the spinal cord, such as fractures or dislocations, can result in permanent paralysis or loss of sensation below the site of the injury.
  • Traumatic brain injuries: A severe head injury can cause permanent cognitive and physical impairments, including memory loss, difficulty communicating, or impaired motor function.
  • Chronic pain conditions: Conditions like fibromyalgia, chronic fatigue syndrome, and chronic pain syndrome can cause debilitating pain that prevents individuals from performing daily activities and working.
  • Vision or hearing loss: Permanent vision or hearing loss can significantly impact an individual’s ability to work and perform daily activities.

Permanent Disability Insurance Plans

Permanent disability insurance plans in Greeley are typically offered through private insurance companies. Some common types of permanent disability insurance plans include:

  1. Long-term disability insurance: This type of insurance provides a monthly benefit to individuals who are unable to work due to a permanent disability.
  2. Accidental death and dismemberment (AD&D) insurance: This insurance provides a lump-sum payment to individuals who suffer a permanent disability as a result of an accident, or to their beneficiaries in the event of their death.
  3. Social Security Disability Insurance (SSDI): This is a federal program that provides monthly benefits to individuals who have a permanent disability that prevents them from working. To qualify, individuals must have paid into the Social Security system for a certain number of years.
  4. Workers’ compensation: If an individual suffers a permanent disability as a result of a workplace injury or illness, they may be eligible for workers’ compensation benefits. These benefits can provide financial support for medical expenses, lost wages, and ongoing care related to the disability.

Why Do Insurers Deny Claims for Permanent Disability Benefits?

  1. Insufficient medical evidence: The insurer or employer may request medical records or documentation to support the claim. If the evidence is insufficient, they may deny the claim.
  2. Failure to meet the definition of disability: The insurer or employer may have a specific definition of disability that the claimant must meet in order to receive benefits. If the claimant does not meet this definition, the claim may be denied.
  3. Pre-existing condition: If the claimant had a pre-existing condition that contributed to the disability, the insurer or employer may deny the claim or limit the benefits.
  4. Failure to follow treatment: If the claimant did not follow the prescribed treatment plan or refused to undergo necessary medical procedures, the insurer or employer may deny the claim.
  5. Fraud or misrepresentation: If the claimant provided false or misleading information in their claim, the insurer or employer may deny the claim or cancel the policy

What Actions Can I Take If A Claim Is Denied?

The appeal process for a permanent disability insurance denial in Greeley varies depending on the type of insurance plan and the reason for the denial. Generally, the following steps are involved in the appeals process:

  1. Review the denial letter: The first step is to carefully review the denial letter from the insurer or employer to understand the reason for the denial and the basis for the decision.
  2. Request an internal review: Most insurance plans have an internal appeals process that allows the claimant to request a review of the decision by the insurer or employer. This usually involves submitting additional documentation or evidence to support the claim.
  3. File a complaint with the state: If the internal appeal is unsuccessful, the claimant may file a complaint with the Colorado Division of Insurance. The division can investigate the claim and provide assistance in resolving the dispute.
  4. File a lawsuit: If all other avenues are exhausted and the claimant believes that the denial was wrongful, they may file a lawsuit against the insurer or employer. This can be a complex and time-consuming process, and it’s important to work with an experienced attorney who can guide you through the legal system.

Contact Our Greeley Permanent Disability Lawyers today

If you or a loved one have suffered a permanent disability as a result of an accident or illness, it is crucial to seek legal representation from experienced lawyers. At Eley Law, we can help you navigate the complex legal process and fight for your rights to ensure that you receive the compensation you deserve. Our Greeley permanent disability lawyers can help you take the first step towards securing your future and obtaining the financial stability you need to move forward. Contact us today for your free consultation.

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