Not sure what to do if your long-term disability claim is denied in Oakville? We know how tough this is because we’ve been there with many people who were in the same situation. At Longo Lawyers, we know that getting the benefits you deserve is key to being able to work and support your family. From what we’ve seen in long-term disability cases, we know that insurance companies deny valid claims all the time, so people who are already struggling don’t get the money they need. Personal Injury Lawyer Fabio Longo is dedicated to helping clients recover the compensation they deserve with professionalism, integrity, and proven results.
Make sure you pay attention to the details and have all your paperwork ready when you apply for long-term disability benefits. Many people think their insurance company will do what’s best for them but that’s not always the case. Because insurance companies are businesses, they will find ways to deny or reduce benefits. We’ve seen cases where people were denied benefits even though their doctors said they couldn’t work because they didn’t have enough medical records. Even when someone can’t do their job, insurance companies will say their disability isn’t bad enough to keep them from working.
It’s important to know what your long-term disability policy says but these documents are written in legalese. We review your policy and explain what it covers and what you need to do to protect your claim. If you don’t follow the rules or meet the deadlines in your policy you’ll be automatically denied. We are responsible for making sure you meet all your deadlines and submit all the necessary paperwork to support your case.
There must be medical proof for any long-term disability claim. But having a diagnosis isn’t always enough. Insurance companies want to see detailed proof that your condition makes it impossible for you to work. We work with your doctors and nurses to make sure your medical reports have everything you need to support your claim. This could include functional capacity evaluations, specialist exams or detailed descriptions of how your illness affects your daily life and ability to work. The appeals process for long-term disability claims that have been denied has very tight deadlines. It’s very important to move fast because if you miss a deadline you may never be able to challenge a denial. We have worked on many appeals in Oakville so we know how insurance companies explain why they deny claims. We get more medical evidence, get expert opinions when we need them and make legal arguments that address the exact reasons given for the denial.
Some long-term disability cases involve conditions that are hard to prove with objective medical tests. Some of these are chronic pain, mental damage and some neurological disorders. Because these claims can’t be backed up by simple imaging or blood tests, insurance companies look at them more closely. We have found ways to prove your condition is real and serious even when there isn’t a lot of traditional medical evidence to back it up.
Insurance companies may ask you to go to independent medical exams as part of the claims process. The insurance company picks and pays the doctor for these exams so they aren’t really independent. We help our clients prepare for these tests and tell them what to expect. After the test we review the report and ask questions about any conclusions that are wrong or misleading and could hurt your claim. Chronic pain is a persistent condition that lasts for months or even years, often affecting daily activities, emotional health, and overall quality of life.
It’s hard to deal with a serious health problem and try to get long-term disability benefits at the same time. We take care of the legal side so you can focus on getting better. You don’t have to do this all by yourself because we talk to insurance companies, fill out forms and keep track of deadlines. We work hard to make sure everyone gets the benefits they paid for with their insurance premiums.
When you can’t work and your benefits are denied, the stress of money adds up fast. We know paying for legal services can make things worse so we only charge you if we win your long-term disability case. You won’t pay anything until we get you benefits. We have the same interests as you because we can only do well if you do well. You and your lawyer should be able to talk to each other honestly and openly. We keep you up to date on every step of your case and make sure you understand your options. We won’t use legal jargon and long, complicated sentences to confuse you. We want to give you the information and expert advice you need to make good choices and get the best possible outcome.
How long does it take to settle a long-term disability claim? It depends on how complex your case is and how willing the insurance company is to talk. It could be months or years. Whatever it takes we will stick with your case until it’s finished. We have the knowledge and tools to see your case through to the end, whether that means going to court or negotiating a deal.