Sarnia Long-Term Disability Lawyer

If your insurance plan includes coverage for long-term disability (LTD) benefits, you might be able to recover the payments you are owed after sustaining a serious injury or developing a physical or mental illness that prevents you from carrying out the duties of your job. Insurance policyholders or the employers that sponsor their group insurance plan pay monthly premiums to insurance companies so that, in case they need to rely on their coverage to help them through a challenging and frightening time, they will be able to access the benefits they are owed without undue suspicion, scrutiny, or disbelief.

Unfortunately, that is not always the case. Insurance companies often look for reasons to turn down LTD benefits claims from eligible policyholders and withhold the payments to which they are rightfully entitled.

Insurance companies do not have an obligation to disclose what percentage of LTD claims are denied each year, but judging by the large amount of disability claims denied each year by the Canada Pension Plan (CPP), it can be presumed that more than half of all LTD claims submitted to insurance providers throughout the country are initially denied.

Any policyholder whose claim for LTD benefits was denied should have the chance to formally appeal their insurer’s unfair determination. That said, the idea of standing up to a large, intimidating insurance company can feel like an insurmountable challenge, especially for people doing their best to endure the day-to-day struggles of living with a disability. Many people think picking a fight with an insurance company will be a long, expensive, and ultimately fruitless process. Oftentimes, people whose claims for LTD benefits have been denied simply walk away from the fight rather than standing up for the fair treatment they deserve.

Our Sarnia long-term disability lawyers know just how terrifying it can be to stand up to insurance companies, especially when they employ unfair tactics to withhold the funds on which you are reliant. We are committed to working on behalf of mistreated policyholders in the community to help them recover the accountability and financial compensation they are duly owed.

Many people who can no longer work or earn their regular salaries rely on LTD benefits to cover their most basic costs of living. As such, the prospect of paying large sums of money to try overturning their insurance provider’s unfair decision can seem illogical. However, our Sarnia long-term disability lawyers work on a contingency-fee basis. That means, if you are eligible to pursue legal action against your insurer, you will not be charged a cent unless we win your case. Our fees will be based on a percentage of the total amount of compensation you are awarded. By making our services available in this manner, you can focus all your energy on coping with your medical condition while we devote our resources to your case.

By working with our long-term disability lawyers serving Sarnia, you might be able to recover costs related to:

• Previously denied benefits
• Legal fees
• Damages incurred as a result of your claim’s initial denial
• Punitive damages
• And possibly more

Schedule Your Free Initial Consultation with Our Sarnia Long-Term Disability Lawyers

LTD benefits typically cover between 60-70% of a recipient’s regular income. If you cannot continue earning your normal wages because you have been diagnosed with a severe, disabling medical condition, LTD benefits could help you retain a degree of financial stability during a fraught and challenging time in your life.

If your claim for LTD benefits was denied, take advantage of a free initial consultation with our Sarnia long-term disability lawyers.