You may need to hire a long-term disability lawyer when you’re going through one of the toughest times of your life, when you’re already dealing with major health issues and mounting financial problems. We know how hard this can be for those in Hamilton who are dealing with denied disability claims or complex insurance processes. At Longo Lawyers, we often help clients who tried to handle their disability issues on their own at first but then realized they needed help from a lawyer who knows what they’re doing.
Most people find it very hard to understand the complicated language and fine print in long-term disability insurance policies. Insurance companies write these policies in complicated language and technical terms on purpose. This is usually because they want to protect their own interests more than the interests of policyholders. So, trying to read these documents without the right legal knowledge can lead to costly mistakes that can ruin your whole claim.
Many people think if they have a real medical problem, they automatically qualify for long-term disability benefits. But getting a diagnosis from your doctor is only the beginning of what you need to do. Insurance companies want a lot of paperwork, medical tests and clear proof that your condition prevents you from doing your current job or any other job you’re qualified for.
There are many traps in the first step of applying for long-term disability benefits that can stop your claim from being reviewed properly. Insurance companies look at every part of your application very closely to find any errors, missing information or anything they can use to deny your claim. We make sure your application makes your case in the best possible way while still completing all the necessary paperwork requirements.
When insurance companies deny long-term disability claims, they usually give unclear reasons that leave claimants confused and unsure of what to do next. These denial letters often use vague policy language or ask for more medical information without making it clear what specific proof will change their minds. We know these tactics well since we see them all the time in our work and know exactly how to respond effectively throughout the appeal process. There are strict deadlines and rules that must be followed exactly during the appeal process for denied disability claims. If you miss one deadline or don’t send in the right paperwork, your case could be dead and you may not win. Also, insurance companies use this stage of the appeal process to get more information they can use against you in future cases.
Medical evidence is the key to any successful long-term disability claim. But insurance companies often doubt the professional opinions of your doctors or ask their own medical experts to look at your case, even though these experts may have a financial interest in denial decisions. We work closely with your doctors and other healthcare providers to make sure all the paperwork is correct. If necessary, we may also set up independent medical exams to help your case.
Insurance companies know the financial pressure of losing your regular paycheque while dealing with a debilitating condition is intense and they sometimes take advantage of it on purpose. They may offer you quick settlement amounts that sound good at first but are far less than the full benefits you’re entitled to under your policy.
Our firm handles a wide range of personal injury cases, including Slip and Fall Lawyer cases. This gives us a lot of knowledge about different parts of injury law and how different medical conditions can make it hard for people to do their jobs. This broad knowledge helps us understand disability claims better and makes it easier for us to build strong cases.
There are several benefits to working with a long-term disability lawyer in Hamilton that go beyond just filling out forms correctly. We talk to insurance companies for you, so you don’t have to worry about saying anything that could hurt your case while we fight for the full benefits you deserve.