When you’re already dealing with health problems and money problems, it can be tough to decide if you should hire a long-term disability lawyer. We know it’s tough for a lot of people in Brampton who are having trouble getting their disability payments or had them denied or delayed. At Longo Lawyers, we help clients with these complicated situations all the time and we’ve seen how having the right lawyer can make all the difference.
Many people think they can handle their long-term disability claims on their own at first. But insurance companies make their systems hard to understand and hard to use on your own. They hire teams of lawyers, medical reviewers and claims specialists whose job is to keep settlements to a minimum. So trying to battle these professionals without the right representation usually ends up in frustration and denied claims.
There are many things that can go wrong during the application process for long-term disability benefits that can stop your claim before it even starts. Insurance companies look at every part of your application very closely to find a reason to deny coverage. There are many strict and precise rules about medical paperwork and even small mistakes or missing information can lead to rejection. We make sure your application meets all the requirements and looks as good as possible.
When insurance companies deny long-term disability claims they don’t always explain why in a clear way. Instead they point to ambiguous policy language or ask for more information that doesn’t seem required or relevant. Their goal is to make claimants less likely to continue with their cases. We know these tactics well since we use them all the time in our work.
There are strict deadlines and complicated steps that must be followed exactly during the appeals process for denied long-term disability applications. Your case can be ruined for good if you miss a deadline or don’t send in the right paperwork. Insurance companies also use this stage to get more information they can use against you later. Having a lawyer help you with your appeals increases your chances of winning. \Many long-term disability policies have changing definitions of disability over time. At first you may only have to show you can’t do your own job. But later the definition usually changes to say you have to show you can’t do any job for which you are reasonably qualified. These changing rules make things much harder and you have to be careful when dealing with them.
Medical evidence is the key to any successful long-term disability claim. But insurance companies often doubt medical advice or ask their own doctors to review the case which may be because they want to deny claims for financial reasons. We work with your doctors to make sure the paperwork is correct and we can also set up independent medical exams when needed to help your case.
When you lose income due to a disability you have to deal with a lot of financial stress which makes it very important to accept bad settlements or go back to work too soon. Insurance companies know this weakness and can use it to their advantage when negotiating. We protect our clients from these kinds of tricks and make sure they get all the benefits their policies say they should.
We deal with many types of personal injury claims including slip and fall accidents. This gives us a lot of knowledge with different parts of injury law. This wide range of knowledge helps us understand how different conditions affect your ability to work and makes our case for you stronger.
There are many benefits to hiring a long-term disability lawyer than just making sure the paperwork is filled out correctly. We talk to insurance companies on your behalf so you don’t have to worry about saying something that could hurt your case. We also know how much your claim is worth and will fight hard to get you the right amount of money.
The cost of hiring a lawyer shouldn’t stop you from getting the benefits you deserve. If you hire us to help you with a long-term disability case you won’t have to pay us anything unless we win benefits for you. This deal lets you get good legal help in Brampton without having to pay for it up front which is great because you’re already having a hard time with your money.