When you become disabled and find that you are no longer able to generate an income by working, your natural course of action is to turn to your disability benefits. It is logical to assume between the Canada Pension Plan, Ontario Disability Support Program, and private disability insurance, claiming your benefits would be a straightforward transaction.
Unfortunately, this is not the case. Many insurance companies are happy to take your monthly policy payment, but their profits are healthiest when people do not use their policies. As such, when they see that you have filed a claim against your policy, they tend to make things as difficult as possible for you so they can avoid a payout.
This business model is common across all types of insurance, but the fact that it is common practice does not make it right. We are here to stand up for your right to receive the benefits you are due.
Call Preszler Injury Lawyers so a disability lawyer serving Etobicoke can begin reviewing your policy and devising the best strategy to see that you are paid: 1-800-JUSTICE.
Our long-term disability lawyers can meet with you in Etobicoke for a free initial consultation. Call (416) 364-2000
How the Insurance Game Works
Disability claim cases are mostly about contract law. The policies themselves are intentionally worded in terms that can easily be interpreted in multiple ways. Such ambiguity serves the purpose of confusing and intimidating policyholders and potential claimants, as well as giving the insurance companies lots of hooks for dragging out the processing of a claim, undervaluing a claim, delaying payment, making partial payments, or completely denying the claim.
The typical policyholder does not have sufficient knowledge of contract law to challenge the insurers on their decisions, so they often retreat in defeat, left to bear the financial burden of their disabilities alone.
Etobicoke Long-Term Disability Lawyer Near Me (416) 364-2000
How a Disability Lawyer Serving Etobicoke Can Help You with Your Claim
A disability lawyer from Preszler Injury Lawyers will not be intimidated by your insurer’s underhanded tactics. They know contract law and the strategies that insurance companies use to get out of paying policyholders.
Our legal team will get to work obtaining the evidence we need to support your claim in a way that matches the contractual terms set forth in your policy. For starters, we will review the medical evidence you have on hand and seek additional forms of documentation to bolster the validity of your claim.
We will also review the time limits and other ambiguous terms established within your policy to make sure we do not miss any of the fine print that could give the insurance company grounds for denying or underpaying your claim.
Our disability lawyers will aim to settle with the insurance company, but we have no qualms about taking it to trial. Our ultimate goal is to obtain fair compensation on your behalf.
Keep These Tips in Mind When Proving Your Disability
You can do some things during the course of your quest for disability benefits that can either help or hurt your chances for the insurance company approving your claim. We suggest doing the following:
- Saving and gathering all the medical evidence you can to support your claim that you suffer from a disability.
- Faithfully abiding by the treatment regimen your doctors prescribe.
- Carefully read your policy’s definition of disability. Policies often establish criteria you must meet or guidelines you must follow to obtain disability benefits. For example, at the onset of your disability, you might need to prove that you can no longer perform the job for which you were employed, and later, you may need to prove that your disability prevents you from obtaining and sustaining any type of employment suited to your training or experience.
- Being mindful of what you post on social media, as insurance companies have been known to monitor and flag posts that might suggest you are not suffering the disability you are claiming.
- Letting a disability lawyer at Preszler Injury Lawyers walk beside you through this difficult time, to steer you in the right direction toward the disability insurance payout you need and deserve.
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Short-Term Injuries Typically Do Not Qualify for Long-Term Disability
Short-term disability is often available for injuries that only disable a person for around three to six months. Long-term disability policies are intended for more serious conditions or those that require a longer recovery time. These policies usually start to pay out later, and your short-term disability covers the gap between the two coverages.
Although the long-term disability coverage kicks in later, it pays out for a longer period of time, anywhere from a couple of years to retirement age. Your policy specifies the terms of your payout duration. According to the Financial Consumer Agency of Canada, long-term disability plans typically replace from 60 to 70% of your standard income.
Examples of conditions that commonly prompt long-term disability are serious illnesses, like stroke, cancer, or heart disease; issues with your back, muscles or tissues; and mental illnesses.
A Disability Lawyer Serving Etobicoke Can Help You with Your Claim
You are not alone in your feelings of confusion and frustration with having to fight for the benefits you deserve. Many people have encountered the same problems that you are experiencing. This is the nature of the insurance business, and there is not much hope in it changing.
What you can control, however, is how you respond to the push-back from the insurance company. You can be intimidated and walk away, no closer to solving your economic dilemma throughout your disability, or you can get help from a disability lawyer.
Preszler Injury Lawyers stands ready to take on your claim and get you the benefits you need and deserve. Call us today for your free initial consultation: 1-800-JUSTICE.