After suffering a severe injury in an accident that affects your ability to return to work for an extended period, you might be eligible for long-term disability benefits. You may already have access to long-term disability coverage through a private or employer-sponsored insurance policy, but it is not uncommon to experience long delays or a denial of benefits because of minor mistakes or omissions on your benefits application.
If you are just starting out in the process of applying for long-term disability benefits or have received an unfavorable decision from the insurance company, a Barrie long-term disability lawyer can help. A skilled injury lawyer will take the difficulty out of the filing process and can increase your chances of securing the benefits you deserve, even if you have received a denial.
Our long-term disability lawyers can meet with you in Barrie for a free initial consultation. Call (416) 364-2000
If you have long-term disability coverage and are current on your premium payments, the insurance company should approve your claim as long as you meet the following criteria:
- You suffer from a serious mental or physical health condition.
- A doctor confirms your condition is expected to last for at least 12 consecutive months.
- Your condition prevents you from working your current position at your job.
Barrie Long-Term Disability Lawyer Near Me (416) 364-2000
Proving the severity and duration of your health condition is accomplished by submitting your medical records. Typically, a long term disability lawyer in Barrie will advise their clients to see their doctors regularly and keep up with treatment recommendations. Following through with medical care shows the insurance company that despite your best efforts to seek treatment, your condition is still disabling.
If your doctor’s notes do not give a prognosis of the duration of your condition, we can assist you with obtaining the proper documentation to illustrate the longevity of your condition.
Finally, there is a matter of proving you cannot work at your current job because of your disability. A Barrie long-term disability lawyer may gather evidence from several sources to support this fact including:
- Your work records to show instances in which your illness affected your work performance or job attendance.
- Your employer who can provide a letter explaining your work duties and how they matter to your condition.
- Medical and vocational experts who can review your case and offer testimony about the impact your condition has on your life.
It is also helpful to keep a journal of how your condition affects your everyday life, including work and daily activities like bathing or getting dressed. When we begin working on your case, we will make recommendations regarding additional medical exams or employment information necessary for supporting your claim.
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Long-Term Disability Benefit Payments
Two main factors determine how much your long-term disability benefits claim is worth: 1) your ability to work at any other job, and 2) the amount per payment of your benefits.
Your ability to work at any other job will limit the amount of time you can collect benefits. If your health condition prevents you from working at your current job, but you are qualified and able to work at other jobs, the duration of your disability benefits will be shorter than if the insurance company finds you disabled from all possible jobs.
The insurance company can challenge your ability to work by claiming you are still able to work certain jobs. If this happens, we can counter their argument by working with a vocational expert who knows the local employment environment. If they testify you cannot perform other jobs available in your area, it will be a great benefit to your claim.
When the insurance company awards your disability benefits, the amount per payment is contingent on your previous take-home pay. Barrie long-term disability lawyers can help calculate the value of each payment by reviewing the terms of your policy and estimating your take-home benefits.
Having a lawyer’s help during this estimation and negotiation is especially important if you work a job where part of your income is irregular (commissions, tips, etc.) or you are self-employed. Without regular pay stubs, the insurance company might try to pay benefits according to your lowest recent paycheck.
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Experienced lawyers know the tactics insurance companies employ to deny or reduce disability payments, and we know how to get results on valid claims. Our long-term disability lawyers in Barrie will handle your long-term disability application or appeal without any up-front fees or hidden charges.