It can seem impossible to deal with long term disability claims especially if you’re already dealing with health issues. When insurance companies deny or terminate disability benefits, Longo Lawyers knows exactly what Caledon people go through. Our staff is always available to help consumers get the financial help they need in tough times. We have defended many people from Caledon and surrounding areas who were up against big insurance companies that wanted to lower their premiums even though they had legitimate medical conditions.
Insurance policies have vague language and strict rules to make it hard to make a claim. Our lawyers review every part of your policy to find the important clauses that support your case. These are explained in simple terms so you know exactly what benefits you can get. This policy review is the basis of our plan to get you the money you deserve after years of paying premiums. Many clients are surprised to learn that their coverage is more than what insurance brokers told them.
Most of the time, denials happen because people don’t agree on medical evidence. Insurance adjusters will say that paperwork don’t show enough that someone can’t work. They can say that your condition doesn’t fit their definition of disability or that you can do alternative work duties. Long term disability cases in Caledon have shown us what medical evidence is most effective in disproving these claims. We work with your doctors to make sure your records clearly show what kind and how severe your limitations are. This cooperation makes your case stronger when you negotiate or appeal.
Chronic pain, fibromyalgia, mental health issues or autoimmune disorders are some of the conditions people with long term disabilities have that aren’t visible to others. These “invisible disabilities” are especially hard to deal with because regular tests can’t always measure symptoms. Insurance companies don’t believe these claims for no reason. We know how to fight for clients whose pain isn’t obvious right away since we understand both the medical and legal side of these conditions. Our process includes getting detailed information from therapists, specialists and other medical professionals who can corroborate your case. Disability claims are time sensitive. If you miss deadlines for appeals or don’t send in the required documents on time, your claim will be denied no matter how valid your illness is. We take care of all the steps in your claim so you can be sure your documents will be sent in on time and all filing requirements will be met. This attention to detail prevents technical denials from hurting your case. Our proactive approach keeps your claim moving and avoids the complications that often trap claimants without representation.
The appeals process for denied disability claims involves many steps each with its own set of rules and strategic issues. We walk you through these steps, writing responses that clearly address the reasons for denial given. Our staff has presented strong arguments to review boards and courts that have changed many denial decisions. With this information we can find better strategies for different insurance companies and claims. We use this information to create the best plan for your situation.
Many people don’t ask for legal help with disability claims because they’re worried about cost. We understand these concerns and offer most disability claims insurance on a contingency fee basis. You don’t pay anything until we get you money. During your initial consultation we discuss our fee structure and answer any questions you may have about costs. This open approach ensures you can make informed decisions and no surprises so you won’t have to deal with more financial stress in your already tough situation. We want everyone in Caledon who needs help with disability claims to be able to use our services.
If your condition was caused by someone else’s negligence, talking to a Slip and Fall Lawyer may give you more options for compensation than just your disability payments. We look at every possible way to get you the full amount of money you need to pay your losses and injuries. This comprehensive plan takes care of both your immediate needs and your long term financial stability. Many of our clients like that we can handle multiple parts of their case instead of them dealing with a bunch of different lawyers.
Insurance companies have teams of lawyers to protect their interests. This is not a level playing field for those without a lawyer. We can help you level the playing field with our knowledge and resources. Sometimes our negotiating skills get us a good deal without going to court. But we know how to fight for you in court if we have to. This willingness to go to court often gets insurance companies to offer fair settlements instead of taking us to court.
Choosing the right long term disability lawyer will make a big difference in the outcome of your case and how you feel about the process. Longo Lawyers invites you to come to our office for a private meeting to discuss your situation. During this meeting we’ll listen to your story, review any relevant documents and give you a straight up assessment of your case. This basic information will tell you how we can help and what to expect. Our staff in Caledon fights for the benefits you need to be financially secure. They do this with compassion and determination, putting your health and recovery first.