It’s tough to deal with a long term disability when your insurance claim is denied or cancelled. Longo Lawyers knows how hard it is to deal with money troubles while dealing with a major health crisis. Many people in Halton are in this situation, trying to figure out why their long term disability benefits were cut off or denied when they need them the most.
Long term disability insurance is supposed to help you pay your bills if you can’t work because you’re sick or hurt. Most people get this kind of insurance through their job benefits. When you can’t work due to a medical issue the policy is supposed to pay you back for some of your income, usually 60 to 70% of your wage. But it can be way harder than it should be to get these benefits or keep them going. Automobile & Motor Vehicle Accidents claims help injured individuals pursue compensation for medical costs, lost income, and long-term recovery needs.
Insurance companies are businesses and sadly they put their own profits ahead of the needs of their disabled policyholders. They can deny your claim because you don’t have enough medical evidence, say your illness isn’t that bad or say you can do some kind of work even if you can’t do your own job. They might agree with your claim at first but then they might stop your benefits after watching you or asking you to get independent medical evaluations that say something different than what your own doctors say. You can sue if your long term disability claim is denied or your benefits are cut off. Fighting back against an insurance company’s refusal can be tough because you need to understand the specifics of your policy and the law that applies to your situation. People often come to Longo Lawyers for help with these kinds of problems. We read your policy to find out what kind of coverage you have and what the insurance company has to do for you.
One of the first things you should know is that insurance policies are contracts and the companies that sell them must follow the rules in those contracts. If they deny your claim for no reason or act in bad faith you can hold them accountable. But to prove an insurance company did something wrong you need to have good medical documentation, proof of your limitations and often expert testimony about your health and how it affects your ability to work. Accident Benefits provide essential financial support for treatment, rehabilitation, and income replacement following an injury.
The medical proof that backs up your claim is key. Insurance companies deny claims because they think the medical documents don’t show you are as disabled as you say you are. We help our clients make sure their doctors create complete reports that clearly explain their diagnosis, symptoms, limitations and prognosis. We may also need to hear from medical professionals who can explain some areas of your health that the insurance company is unsure about.
You should know the deadlines when you file a long term disability claim. Most of the time you only have a short time to fight a claim denial or take legal action. There are deadlines you need to meet in Halton and all around Ontario. You may not be able to pursue your claim if you miss these deadlines. That’s why you should see a lawyer who handles disability claims right away if your claim is denied.
Many people are worried about how much it will cost to hire a lawyer to fight their disability claim. Longo Lawyers handles long term disability cases on a “contingency fee” basis. You won’t pay any legal fees until we get you benefits. You don’t have to pay legal fees or other costs up front while you’re already dealing with money troubles. We simply take a small percentage of the benefits we get back. It can take a while to file a long term disability claim. You can go to the insurance company and resolve some claims, but others may have to go to court and maybe even trial. We keep our clients informed about what’s going on with their case and what’s coming up next. We handle all the legal stuff so you can focus on getting better and staying healthy.
If your long term disability claim in Halton has been denied or cut off you don’t have to fight the insurance company alone. The law protects disabled workers and you have the right to fight for the benefits your policy says you can get. We’re here to help you understand your rights and get the money you need now.