When you’re already dealing with major health issues and financial problems, deciding to hire a long-term disability lawyer can be one of the most stressful and vulnerable times of your life. We know this can be tough for those in Mississauga who are dealing with denied disability claims or trying to figure out complicated insurance procedures. At Longo Lawyers, we often help people who tried to handle their disability issues on their own but eventually realized they needed the help of a professional.
Most people find it hard to understand and interpret the complex terminology and fine print of long-term disability insurance policies. Insurance companies write these policies in technical language and complicated definitions that usually benefit their own financial interests above those of policyholders who pay their premiums on time for years. So trying to read these complicated documents without the right legal knowledge sometimes leads to costly mistakes that can ruin your whole claim.
Many people think that having a real medical condition that’s well-documented automatically means they’re eligible for long-term disability benefits. But the truth is that getting a diagnosis from your doctor or medical specialist is only the beginning. Insurance companies want a lot of paperwork, specific medical test results and clear proof that shows how your condition makes it impossible for you to do your current job or any other job you might be qualified for based on your education and experience.
There are many things that can go wrong during the first step of applying for long-term disability benefits and these can entirely ruin your claim before it even gets a fair look from reviewers. Insurance companies review every part of your application looking for mistakes, missing information or anything they can use to deny your claim. We make sure your application makes your case in the most convincing and complete way possible while following all the rules for paperwork and procedures.
When insurance companies deny long-term disability claims, they usually give vague reasons that leave claimants confused and unsure of what to do next. These denial letters often use policy language or ask for more medical information without clearly saying what specific evidence would change their minds or make it more likely you’ll be approved. We know these tricks since we see them all the time in our work and know exactly how to handle them well during the appeal process.There are strict deadlines and complicated rules to follow when appealing a denied disability claim. If you miss one deadline or send in the wrong paperwork in the wrong format, your case is ruined forever and you might not win. Insurance companies also use this stage of the appeals process to get more information they can use against you in future legal actions or hearings.
Medical evidence is the most important part of any long-term disability claim regardless of the condition. But insurance companies often dispute what your doctors say or ask their own medical experts to review your case. These experts may have a financial incentive to deny claims rather than approve them.
We handle a wide range of personal injury claims including Slip and Fall Lawyer cases. This gives us a lot of knowledge on different parts of injury law and how different medical conditions can affect how well people can function. This broad knowledge helps us understand disability claims better and gives us more power to argue on your behalf.
There are many benefits to hiring a long-term disability lawyer in Mississauga that goes beyond just filling out forms accurately and on time. We talk to insurance companies for you so you don’t have to worry about saying something that can hurt your case. We fight for the full benefits you deserve.