Individuals who work as clinical social workers also diagnose and treat a variety of behavioral, emotional, and mental issues that individuals and families suffer. They must meet with clients on a regular basis, which often involves a significant amount of movement and travel. Many workers think that they will rely upon Social Security disability benefits if their injury or illness suddenly prevents them from being able to work at their occupation.
However, that sometimes turns out to be a big gamble. Having private disability insurance coverage in place helps to ensure that you will receive compensation if you are unable to meet the physical demands and limitations of social work. The main reason for having private disability insurance in place as a social worker is so that there is backup coverage in the event you are not eligible to receive Social Security disability benefits under your circumstances.
Chicago social worker disability benefits lawyer Michael Bartolic can help you pursue the disability insurance benefits you deserve. Please reach out today to discover more about how we can assist you throughout the disability benefits claims process. The process of pursuing compensation under a private disability insurance policy begins with filing a claim against that insurance policy. In some instances, insurance companies will accept the claim if they believe that you are unable to work as a social worker due to your illness or injury.
In that case, you can be awarded between 40% and 60% of your annual salary. However, if the insurance company denies your claim, you might be eligible to file an appeal. An experienced Chicago social worker disability benefits lawyer could assist you with gathering the necessary medical documentation to appeal your claim effectively and efficiently in pursuit of the disability benefits that you deserve.
Ferrin v. Aetna Life Ins. Co., 336 F. Supp. 3d 910 (N.D. Ill. Sept. 28, 2018) (holding insurance policy’s grant of discretionary authority is void under Texas law due to certificate being issued after effective date of regulation, and policy renewing after effective date, and holding Plaintiff was disabled from Any Reasonable Occupation where treating doctors certify she can sit at the occasional level, and insurer’s consultants opine Plaintiff can sit frequently, as weighing all evidence together would make capacity likely at low end of frequent range at best).
Sadowski v. Tuckpointers Local 52 Health & Welfare Trust, 281 F. Supp. 3d 710 (N.D. Ill. Dec. 20, 2017) (holding plan was arbitrary and capricious in denying medical benefits for removal of spinal cord stimulator following a fall down the stairs and infection where plan argued the expenses were caused by the same injury as the car accident necessitating implantation of the stimulator years earlier)
Tassone v. United of Omaha Life Ins. Co., 264 F. Supp. 3d 867 (N.D. Ill. Aug. 30, 2017) (awarding client long term disability benefits denied by United of Omaha despite insurer’s doctor opining there was no objective evidence of functional impairment)
Suson v. PNC Fin. Servs. Grp., Inc., No. 15-CV-10817, 2017 WL 3234809 (N.D. Ill. July 31, 2017) (holding Liberty Mutual’s denial of client’s long term disability benefits was arbitrary and capricious where Liberty Mutual disregarded client’s carpal tunnel syndrome and relied on a vocational opinion to which client never had an opportunity to address before litigation)
Chicago disability benefits lawyer Michael Bartolic will fight for your right to recover private disability benefits under your policy of insurance. We assist clients who worked in many different professions, including social work, and who can no longer perform their jobs.
To schedule a free case evaluation and consultation online with a Chicago social worker disability benefits attorney, please contact us online today.