It can be tough to file a disability claim in Caledon because of the complex insurance rules and the need for specific legal knowledge. We know that having a disability and fighting for benefits at the same time is too much for people and their families to handle. Not knowing how much money you have to spend makes your medical condition even harder to deal with.
Even the smartest people can get confused by the complex jargon and precise requirements of disability insurance coverage. Insurance companies use complex language on purpose to make it harder for people who are making claims to understand their rights and responsibilities. We have spent years looking into these policies and figuring out how insurance companies use different provisions to deny or reduce coverage.
When you first apply for disability benefits you need to pay close attention to the details and provide a lot of paperwork. Insurance companies look at every part of your claim very closely to see if they can find a reason to deny coverage. Your medical records, work history and functional ability evaluations are all very important in determining if your claim will be successful. We help clients get the evidence they need and present it in the most compelling way possible.
We know that disability issues are more than just legal details at Longo Lawyers. These cases affect real people who are trying to stay financially stable while dealing with major health issues. We care about each case and are dedicated to it because we know how it affects people.
Insurance companies use tricks to make people not want to file claims for the benefits they are owed. They can ask for too many medical exams, ask for paperwork that isn’t needed or delay making decisions for an indefinite amount of time. These tactics are meant to wear down plaintiffs emotionally and financially so they either drop their claims or accept settlements that aren’t enough.
When initial claims are denied or benefits that are already being received stop without notice, the appeals process is needed. There are strict deadlines and specific steps that must be followed exactly in this process. Missing a deadline or not sending in the right paperwork can hurt your case for good. We make sure all appeals follow the right steps and meet all the requirements.
Successful disability claims are based on medical evidence. But insurance companies often doubt medical opinions or ask doctors they choose to give them a second opinion. We deal with experienced medical professionals who know the rules of disability law and can provide strong evidence about your restrictions and inability to work. There are many types of disability policies that offer different levels of coverage and benefits. Most of the time group policies through companies just cover the basics and don’t allow you to appeal. Individual insurance usually offer higher benefits but the process of making a claim is more complicated. We look at the exact wording of your policy to determine what your rights are and come up with the best plan.
People in Caledon work in many different fields that have their own unique issues when it comes to disabilities. Workers in agriculture, manufacturing and offices all face different hazards and have different policy needs. Our experience with many types of work related disabilities helps us understand how your individual job requirements affect your claim.
The financial problems that come with being disabled go beyond lost pay. While you’re not working the expenses of medical care, housing modifications and assistive devices all add up. We want to get paid for all the costs that come with being disabled not just the basic income replacement benefits.
Some disability claims involve incidents at work that may also require the help of a Slip and Fall Lawyer if the impairment is caused by problems with the building. But our main goal is still to get your disability benefits as soon as possible.
Timing is very important in disability cases. Getting legal help early on can often stop small problems from becoming big ones that make it harder for you to get your benefits. When an insurance company knows that the person making a claim has a lawyer with experience they take the claim more seriously.
We urge anyone in Caledon who is having trouble with a disability claim to get legal help now. We can better protect your interests and increase your chances of winning the sooner we can review your case and find any potential issues.