When to Speak with an Attorney for Long-Term Disability

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You should hire a long-term disability lawyer because it can be hard to deal with insurance companies and long-term disability policies on your own in Canada. These cover things like how the terms and conditions of the policy should be interpreted, when a claim can be rightfully denied, and what recourse is available when claims are wrongfully denied.

A long-term disability lawyer will take all the necessary steps to advance your claim and obtain fair compensation for your suffering. You need to find dedicated legal professionals who have assisted a large number of people from all over Ontario in recouping fair settlements and hiring them. It is not impossible to win a long-term disability claim.

If any of the following applies to you, you should consult a dedicated long-term disability lawyer who offers prompt, cost-free legal counsel:

When A Claim Is Denied

At the time of initial application, many claims are rejected. Other times, the insurance provider will make a payment for a while before deciding to stop. Insurance companies frequently reject claims for illegitimate reasons. If your long-term disability claim was rejected for any reason, you should consult with a lawyer as soon as you can and before submitting an appeal.

Your disability claim may have been rejected for a number of reasons. It may be that the injury or illness did not meet certain policy requirements or that the claim did not include the proper medical documentation that the policy required. Even on occasion, claims are turned down because the applicant might have missed a deadline. Let’s face it; submitting a disability benefits application can be a very difficult and time-consuming process.

When You Think Your Claim May Be Denied 

Sometimes it’s easy to tell when an insurance company is gearing up to turn down an appeal. Contact a long-term disability lawyer if you believe the insurance company intends to deny your claim.

Some insurers will take extraordinary measures to deny your appeal. Imagine if your insurance provider disclosed surveillance video disputing your claim at that moment. This scenario is entirely conceivable because some businesses will hire a private eye to follow you while recording to show you’re more capable than you claim. When this occurs, you should consult a long-term disability lawyer who knows how to fight for your rights and represent you.

Anticipate the approaching change of definition

Most individual policies and some group policies change the definition after two years, but it could be longer or shorter depending on the policy. In most cases, the “own occupation” component of the disability evaluation is replaced by “any occupation.” The fact that many insurance companies don’t consider “any occupation” does not mean “any job” in the literal sense; rather, it must be an alternative occupation taking into consideration your present restrictions and limitations, your education, training, and experience. This is something that many insurance companies fail to take into consideration.

Participate in work hardening program

You should consult a lawyer if the insurance company requires you to participate in a work-hardening program but your attending physician is against your participation. It is possible that your claim will be rejected if you choose not to participate in the study. If you don’t want your claim to be denied under these conditions, you will need to exercise extreme caution.

You are made to go to an independent medical exam

The clause in the policy that gives the insurance company the right to make you go to an independent medical exam, or IME, will almost certainly be there. But if you think the IME won’t be done fairly because of the circumstances or if you have any other concerns, you should talk to a long-term disability lawyer.

Prior To Attempting To Return To Work

The majority of people who file claims for long-term disability want to be able to return to work. After all, long-term disability only pays a percentage of your earnings before you become disabled. Therefore, if you can afford it, there is a financial incentive to do so. However, the insurance company might mistake the fact that you are willing to try again as evidence that you are no longer disabled. Before you attempt to go back to work, you should consider getting some legal advice.

There are, of course, several other scenarios in which you should speak with a lawyer who specializes in long-term disability cases.