You might decide to hire a long-term disability lawyer when you’re already dealing with a lot of health issues and have no idea how you’re going to pay for them. We know this can be tough for those in Caledon who have had their disability claims denied or are struggling with complicated insurance processes. At Longo Lawyers, we often help clients who tried to handle their disability issues on their own first but then realized they needed legal help from a professional.
Most people find it hard to fully understand the fine print and requirements of long-term disability insurance policies. Insurance companies write these policies in technical language and definitions that often work against the policyholder. So if you don’t have any legal knowledge, it’s easy to make mistakes when you read these documents that can hurt your whole claim.
A lot of people think having a real medical condition makes them eligible for long-term disability benefits. But the truth is there’s a lot more to it than just getting a diagnosis from your doctor. Insurance companies want a lot of paperwork, medical tests and clear proof that your condition makes it impossible for you to do your job or any employment for which you are eligible.
The first step in applying for long-term disability benefits is full of pitfalls that can cause your claim to be denied before it even gets a fair look. Insurance companies scrutinize every part of your application to find any errors, missing information or anything they can use to deny your claim. We help make sure your application makes the best case for you while still meeting all the rules.
When insurance companies deny long-term disability claims, they often give vague reasons that leave claimants wondering what to do next. These denials often use policy language or ask for more medical information without clearly stating what evidence would change their minds. We know how to deal with these tactics since we see them a lot and know how to handle them well during the appeals process.
There are strict deadlines and complicated steps that must be followed exactly when appealing a denied disability claim. If you miss a deadline or don’t send in the right paperwork, your case is done for good. And insurance companies use this stage to get more information that they can use against you in future cases.Medical evidence is the key to any long-term disability claim that works. But insurance companies often doubt what your doctors say or ask their own medical experts to look at the case, even though those experts may have a financial reason to support denial decisions. We work closely with your doctors to make sure all the paperwork is in order and we may set up independent medical exams when necessary.
Insurance companies know that losing your income while dealing with a disability is a lot of stress and they sometimes take advantage of it. They may offer you quick settlements that seem good but don’t come close to giving you all the benefits you’re entitled to under your policy. We protect our clients from these kinds of tricks and fight hard for fair compensation.
We handle many types of personal injury claims including Slip and Fall Lawyer cases. This gives us a lot of experience with different parts of injury law and how different conditions affect people’s ability to work. This broad range of experience helps us understand disability claims better and makes it easier for us to argue on your behalf.
There’s a lot more to hiring a long-term disability lawyer than just filling out the right forms. We take care of all correspondence with insurance companies so you don’t have to worry about saying something that could hurt your case. We also know how valuable your benefits are and work hard to make sure you get everything you’re entitled to.
The cost of hiring a lawyer should never stop you from getting the benefits you deserve. For most long-term disability claims we work on a contingency fee basis which means you don’t pay anything unless we get you compensation. This deal lets people in Caledon get good legal help without having to pay for it up front which is great because money is tight right now.