One of the worst things in life is to lose your ability to work due to an illness or injury. It’s even worse when your insurance company denies your long term disability claim. At Longo Lawyers, we know how tough this is for people in Windsor who lose their jobs and have to deal with serious health issues. It’s hard to deal with an insurance company when you’re already disabled. You may be worried about paying bills, taking care of your family and medical costs. Automobile & Motor Vehicle Accidents claims help injured individuals pursue compensation for medical costs, lost income, and long-term recovery needs.
Long term disability benefits are meant to replace your income if you can’t work due to a health issue. Most people get this through their employment benefits which are part of their overall income. Depending on your policy terms and type of disability, the insurance usually pays between 60 to 70% of your regular income. It should continue until you can go back to work, retire or in some cases, for the rest of your life.
Many people find out that getting approved for benefits or keeping them is much harder than they thought, even though they paid premiums for this protection. Insurance companies deny claims for a wide range of reasons, some of which are legitimate and others of which are ridiculous. They can say your medical documents don’t prove you’re disabled enough. They may admit you have health concerns but suggest you can still work in some capacity, even if it’s not in your previous job. They often want you to see doctors of their choice for independent medical exams and these doctors will make recommendations that downplay your limitations and back denying benefits. In some cases, insurance companies will approve claims at first but then stop them later. They may use surveillance footage or reassessments to justify cutting off benefits.
The bottom line is that insurance companies are businesses that want to make money and paying claims eats into their profits. They have a legal and contractual obligation to pay valid claims yet their commitment to policyholders and their own financial interests are at odds with each other. This is unfair since disabled people can’t get fair treatment without a lawyer.
Longo Lawyers helps clients understand their rights and prepare their cases for dispute. A free consultation is the first step in every instance. We will review your insurance policy to determine what you are entitled to and what you need to prove. Accident Benefits provide essential financial support for treatment, rehabilitation, and income replacement following an injury.
You can negotiate, appeal internally with the insurance company or go to court. How you do things depends on your situation. Some can be settled by conversation, others need to go to court and maybe even trial. Whatever happens with your case we will fight for you and make sure you get what your policy says you should get.
Your long term disability claim has been denied or stopped in Windsor? You don’t have to deal with the insurance company alone. We can help you get the money now.