You may have tried dealing with the insurance company yourself or you may have applied for your benefits only to find out that the insurance is denying or canceling your long disability benefits.
Long Term Disabilities
Long Term Disability Insurance
Many employers offer benefit plans that provide disability insurance.
When an employee suffers an injury the onus however is left on the employee to deal with the insurance company.
Many times the employer is unable to help their employee processing and receiving the benefits.
Dealing with an insurance company for a disability benefits and proving that your claim is legitimate, can be challenging for most people and that’s where as lawyers we can help you.
The insurance may delay the processing of the claim because;
- they are suggesting that the paperwork, or forms are not proper,
- they are requesting more information from you,
- they want the disabled person to see their medical doctors.
- they may require a waiting period.
- they may be considering denying the benefits.
Disability Lawyers Working for You.
As injury lawyers we work for you to get you a disability settlement.
Sometimes convincing the insurance company to actually pay the disability insurance in accordance with their own policies may become a fight.
Insurance companies may try to;
- Refuse your disability insurance,
- Delaying the payments, or
- Reduce the amount they pay out for your disability.
Your insurance company may seek to reduce the amount of the disability payments by selectively interpreting the language and scope of the contract.
As well many insurance policies are written in legal terms that may require interpretation by a lawyer.
If you are seeking payments or are dealing with an insurance company regarding your insurance and have become frustrated or the insurance is denying you, give us a call at 905-597-4878 or visit our office to discuss your case without obligation with a lawyer who specializes in long term disability claims.
What Qualifies as a Disability
Being disabled or “totally disabled” can mean different things in different insurance policy.
Acting reasonably and being disabled in relationship to your work, a disability insurance claim means that you are reasonably unable to work at the job you were doing prior to the injury. A long term disability means that the disability is going to progress over an extended period of month or even years.
The insurance company may argue that although you are unable to do the work you were doing, the claimant is not totally disabled. The insurance company may argue that you maybe disabled but you are able to do some other form of work.
Subsequently the insurance company will argue that they should not have to make disability payments over an extended period of time.
Or the insurance company may seek to lessen the amount of disability benefits saying that you can work doing another job, or can take training to do something different to earn an income.
The insurance company will try to argue that a disability does not mean that you have a physical inability to do any sort of work to provide an income.
As disability lawyers we have the experience dealing with insurance companies to explain and argue your side of the case. Where you are entitled to a benefit we will deal with the insurance company while you work on your health.
Long Term Disability Benefits Denied
If you have been denied disability insurance benefits usually what happens is the insurance company will send you a letter saying your benefits have been denied and providing you with a brief explanation why.
Once denied for disability benefits you may want to consider calling our offices to have a disability lawyer review the letter and give you advice.
There is no fee for discussing your case and we can usually provide you and your family with helpful advice on how to next proceed.
The reasons for denial of benefits maybe a missing information or a document not submitted by your doctor.
If its a missing document, we can contact the insurance representative explain any reason for the missing information and then arrange to provide this and any other information forthwith.
We suggest that you may want to keep a diary of you disability claim, copies of documents, medical examinations and who and what conversations you have had should the relationship deteriorate for the claim and you have to seek legal assistance.
Where the insurance company is looking for medical evidence of your physical disability we have doctors and medical professionals standing by to ensure that the insurance company understands the full scope of the disability and why you may not be able to work and require benefits.
Working with a Disability Lawyer
As disability insurance lawyers we deal exclusively with disability insurance claims, primarily against insurance companies.
Just because you have been injured or disabled your insurance company maybe unwilling to pay your claim or provide the disability benefits that you believe you have.
Insurance companies although being federally regulated are private business and have a vested interest to themselves and their shareholders to pay out the least amount in disability benefits as possible.
Your disability claim may appear straight forward, but your insurance company may seek to deny or reduce your benefits.
At Impact Law we get you the maximum disability benefits that you are entitled to.
We offer a no obligation consultation with one of our Disability lawyers who can explain the process and how we can help you.
You are welcome to come to our office or we can meet you at your home or a location convenient to you.
Call Impact law, your disability Lawyers at 905.597.4878 or toll free 1-877-576-5772 24 Hours.
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More Information on Disability Insurance
The information provided within this website about personal injury law is the property of Impact Law and is protected by copyright law. Any distribution or reproduction in any way, shape, means or manner is expressly prohibited by law without the the prior written consent of the owner(s) of the copyright.
This site is for information only and is not meant to replace qualified legal advice by a disability lawyer, the writers shall not be held responsible for any information that may be incorrect or out of date. The owners of this website recommend that anyone wishing to learn about how a lawyer can deal with an insurance company or help you with a disability claim to contact our office for qualified legal advice from a lawyer.