A sudden injury, chronic illness, or serious accident can prevent you from returning to work and providing for your family. Fortunately, long-term disability insurance can act as a financial safety net, providing you a portion of your income so that you can pay for household expenses, medical bills, or anything else your family needs. Disability insurance policies are meant to be helpful in your time of need. After all, you pay into them every month for peace of mind in the event something happens to you.
However, claiming the benefits you deserve from the insurance company can be a difficult process. It is not uncommon for the insurance company to deny your initial claim or to terminate your benefits after a short period of time.
If your application for disability benefits has been denied or you are no longer receiving the benefits you believe you deserve, get in touch with a Kitchener long-term disability lawyer. Skilled injury lawyers can help guide you through the complicated legal process and assist you in getting the most out of your insurance policy.
Our long-term disability lawyers can meet with you in Kitchener for a free initial consultation. Call (416) 364-2000
Causes of Long-Term Disabilities
Whether someone purchases long-term disability coverage from their employer or directly from an insurance company, they could be eligible for benefits due to many different types of injuries and illnesses. Some of the common causes for a long-term disability claim in Kitchener include:
- Chronic pain
- Back injuries
- Serious infections
- Heart attacks
- Brain and spinal cord injuries
Some of these illnesses—such as mental health disorders, chronic pain, and PTSD—are considered “invisible” by insurers because they do not show up on medical scans. As a result, insurance companies may try to deny someone’s claim because there is not sufficient objective evidence of a medical problem. If they suffer from an “invisible” illness, they know that the symptoms are not invisible at all.
That is why—no matter the type of illness or injury—a long-term disability lawyer in Kitchener is ready to assist their client. They can help get them the benefits they are owed by gathering medical records and documents and by examining the details of their insurance policy to build a solid case.
Kitchener Long-Term Disability Lawyer Near Me (416) 364-2000
Appealing a Disability Claim Denial
If an insurance company denies someone’s claim, they have generally have two or even three chances to appeal that denial directly with the insurance company. If their claim is rejected, they have the opportunity to file a lawsuit against their insurer.
This lawsuit acts as the final step, so it is important to speak with a Kitchener long-term disability lawyer to help them navigate through the complicated legal process, avoid missing deadlines, and craft a persuasive case.
Contact a Kitchener Long-Term Disability Lawyer
When you are unable to return to work after a serious injury or illness, it can be a very stressful and overwhelming time. Not only do you have to focus on recovering, but you may also be concerned about how you are going to support your family.
If you have long-term disability insurance, you may feel like you can breathe a sigh of relief. Unfortunately, insurance companies are not always on your side and it is in their best interest to deny your claim.
Kitchener long-term disability lawyers stand firmly on your side and it is their mission to help you get as much out of your policy as possible. Contact a lawyer today to find out how they can help make sure you remain financially secure after an accident or illness.