If you can’t work because of a serious illness or injury, long term disability benefits should give you the money you need to pay your bills while you get better. Unfortunately many people in Tecumseh have trouble getting these benefits because insurance companies make it harder than it should be. We help people at Longo Lawyers who have had their disability claims denied or cut off without warning. This puts them in a tough financial spot at one of the worst times of their lives.
If you can’t work because of a medical issue, long term disability insurance should pay you a percentage of your wages. Most people get this as part of their job’s entire benefits package. Most of the time your insurance will pay you 60 to 70% of your pre-disability income, depending on the terms of your coverage and whether your illness is temporary or permanent. It could last for months, years or even until you retire. It’s for months, years or even until you retire. Restaurant and Bar Liability cases address injuries caused by unsafe conditions or negligent service practices.
A lot of people pay extra for this coverage and have their claims denied or benefits cut off without warning. There are many reasons why insurance companies deny disability claims and it can be hard to understand how they make their decisions. According to the policy definition they might say your medical records don’t show sufficient proof of disability. They might say you have health problems but they can also say you can still work even if it’s not the same job you used to do. They’ll make you see doctors of their choice for independent medical exams. These doctors will often say things that contradict what your treating doctors say and back the insurer’s case. Some companies will agree to a claim at first but then stop paying benefits later. Insurance companies are businesses that want to make money and their financial goals are at odds with their obligations to policyholders. They might do this because of surveillance evidence or because they say your condition has improved while your own medical team disagrees. They are legally and contractually obligated to pay genuine claims, but they don’t. They might do this because of surveillance or because they say your condition has improved while your own medical team disagrees. They are contractually and legally required to pay valid claims but they also have reasons to pay as little as possible. This isn’t fair because disabled people without a lawyer have a tough time getting fair treatment.
At Longo Lawyers we help people understand their rights under their disability insurance and build strong cases to fight unfair denials. In any event the first thing you should do is read your policy closely. It’s really important to get the wording right because different policies have vastly different definitions of terms like “disability”, “exclusions”, “limitations” and other terms that affect your eligibility to benefits. You need to know exactly what your policy says and what it covers you for in order to build a solid plan. Slip, Trip and Fall Accidents claims help injured individuals recover losses caused by hazardous property conditions.
Medical proof is needed for every medical claim. Your doctors will write down a lot of information about your diagnosis, symptoms, treatment history, how your condition affects your ability to work and live your life and your prognosis. Insurance companies scrutinize medical proof and often deny claims because they think the paperwork is missing something or not strong enough. We help our clients make sure their doctors write down extensive reports that clearly explain how disabled they are and why they can’t work.
After a certain amount of time, usually two years, many disability policies change the way they define disability. You may just need to show you can’t do your job first. After the switch you have to prove you can’t do any job you’re qualified for based on your education, training and experience. This change usually means the end of benefits because insurance companies say claimants could work in some way, even if that way. If your claim is denied you may have to talk to the insurance company, file an internal appeal or go to court. It depends on your situation what’s best. Some can be solved by talking, others need to go to court and maybe even trial. We’ll fight for your rights and get you the benefits you’re entitled to under your policy no matter what happens with your case.
If your long term disability claim has been denied or stopped in Tecumseh you have options. You don’t have to talk to the insurance company alone. We can help you get the money you need now.