Purchasing long-term disability insurance, whether through your employer or directly from an insurance company, is supposed to provide you financial stability and personal peace of mind should an accident disable you and prevent you from working. However, if you have suffered such an accident, you may begin to feel more insecure that ever. Many people discover their benefits are hard to receive and the insurance company tries to stall or cancel their payments.
Video: Long-Term Disability
If you are having issues getting the long-term disability insurance you paid for, Findlay Personal Injury Lawyers can help. Our Ontario attorneys will be happy to review your case with a free initial consultation, and answer any long-term disability questions you may have. Call (855) 862-7258 to schedule an appointment today.
What to Do If Your Long-Term Disability Claim Is Denied
Even if your claim for long-term disability is valid, your insurer may try to reject it. There are several reasons why this may be the case. The language of insurance policies can be written in a complicated or elusive way that allows the insurer to justify almost any decision. It’s possible that your understanding of the document is entirely different from that of the insurance company, and that they intended this to happen when they wrote it.
Attorneys at Findlay Personal Injury Lawyers are familiar with the language of insurance contracts and the practices of insurance companies. Among many other things, we can:
- Work with doctors to gather your relevant medical documents
- Review your contract to check whether your insurer is fulfilling their end
- Make sure any appeals paperwork for your claim is filed on time
- Gather sufficient evidence of your condition
- Argue your case in a court of law
- Help get your benefits reinstated
Insurance companies are designed to save as much money as possible while still fulfilling the terms of their contracts, and occasionally they err on the side of saving money, especially in cases where someone is too weak to contest a denial. Findlay Personal Injury Lawyers helps by taking your case, allowing you to focus on rest and recovery rather than paperwork and procedure. Our experience in this area of the law means you could improve your chances of recovering payment.
Other Potential Issues with Your Ontario Disability Claim
Of course, denial of claim is not the only issue you can run into when trying to receive long-term disability payments. You may find that people are following you, recording your activities and trying to catch you in a compromising position. Or you may discover that your insurer has said they will pay, but are sending delayed or reduced payments with no explanation.
If you are having any issues with your claim, take it to our offices near Hamilton, Burlington, Stoney Creek, Niagara Falls, or elsewhere in Ontario. The long term disability lawyers at Findlay can look at your case and advise you on what to do next, all for free and with no further obligation. To set up your free initial legal consultation, contact us at (855) 862-7258.