If you’re disabled because of a physical condition that makes it hard to work, long-term disability should give you the money to focus on your health. Unfortunately, many in Niagara find it way tougher than it should be to access these benefits. Longo Lawyers helps people whose insurance companies have denied their disability claims or cut off their benefits.
Many people get long-term disability insurance through their workplace benefits package but don’t really know how it works until they need it. If you can’t work because you’re sick or hurt, the insurance will pay you part of your salary. Most insurance pay 60% to 70% of your wages before you became disabled. Depending on your insurance, these payments can last for months, years or even until you retire. Motorcycle Accidents frequently result in severe injuries, requiring strong advocacy for full and fair compensation.
Many people are angry when their claims are denied, even if they have this coverage and pay for it. There are many reasons why insurance companies deny disability claims and not all of them are fair. They can say your medical records don’t show enough proof that you’re disabled. They can say you can still work in some capacity even if you can’t do your own job. They might hire doctors who only meet you once and say you’re fit to work, which goes against what you. They might pay out on claims at first but then they will stop paying benefits after a while. This usually happens after two years when many policies change their definition of impairment from being unable to do your own job to being unable to do any job for which you’re qualified. This gives the insurance company more room to say you can’t go back to your old job but you can do some other kind of work.
Longo Lawyers knows you don’t want to deal with an insurance company when you’re dealing with a major health issue. It can seem impossible to fight these companies on your own because they have teams of lawyers and adjusters working for them. We make things more fair by speaking up for those whose disability claims were wrongfully denied or cut off.
A key part of how strong your disability claim is, is the medical evidence that backs it up. Your doctors need to write down a lot of information about your condition, what you do, how it affects your ability to do things, what limitations you have and how likely you are to get better. Insurance companies look at medical data and if they find any gaps, inconsistencies or unclear information, they will deny claims. We help our clients make sure their medical records are complete and it’s clear why they can’t work.
You need to know exactly what your policy says to make a good case. Each long-term disability policy has its own terms, exclusions and definitions. Some policies are better for claimants than others and knowing exactly what your policy says makes a big difference in how we handle your case. We read the policy terms to see what you need to show and what the insurance company needs to do for you. Nursing Home and Daycare Facility Negligence cases seek justice and improved standards of care for vulnerable individuals.
Deadlines are important in disability cases. In Niagara or anywhere else in Ontario, you only have a certain period of time to appeal a denied claim. You might not get the benefits you’re owed if you miss certain dates. You should go to a lawyer who handles disability claims very soon after you get a denial to protect your rights. Many people don’t get legal advice because they’re scared of how much it will cost especially if they’ve already lost their job. We normally charge clients a contingency fee when we help them with long-term disability litigation. You won’t have to pay legal fees if we don’t win you benefits. We only charge you a small percentage of the benefits we get back so you don’t have to pay for legal services up front.
There are many ways to fight a disability denial depending on your case. Talking things out with the insurance provider can help us work things out. Sometimes you have to take someone to court and file a lawsuit. No matter what your case requires, we’re here to help you get the benefits your insurance says you should get and get through this tough time. Denied long-term disability in Niagara? You should get what you paid for. We can help.