You have faithfully paid your premiums on your long-term disability insurance. Now you are disabled and want to collect your rightful benefits. However, your insurance company denied your claim, leaving you frustrated and with a growing pile of unpaid bills.
Unfortunately, this scenario is all too common for many hard-working men and women in Belleville. According to Huffington Post in 2014, the government’s Canadian Pension Plan denied 60% of initial claims. The percentage is likely even higher with private insurance companies. If you received a denial from your long-term disability insurance company, it is time to call a lawyer who understands and handles these cases.
A disability lawyer serving Belleville can help you understand your rights, including your right to file a lawsuit if you believe was wrongly denied. Preszler Injury Lawyers are here to help.
Your first consultation is free and without obligation. Call 1-800-JUSTICE to learn more.
Our long-term disability lawyers can meet with you in Belleville for a free initial consultation. Call (416) 364-2000
What Our Disability Lawyers Do for You
As lawyers serving Ontario since 1959, it is our experience that insurance companies look for ways to deny, delay, or undervalue legitimate claims. A disability lawyer with Preszler Injury Lawyers is familiar with these tactics and will work to help you receive the compensation you deserve.
In addition to a deep understanding of long-term disability cases, our legal team helps you with these value-added services:
- Review your long-term disability insurance policy to determine the exact terms and conditions, as well as the benefits you may be entitled to receive.
- Take care of all communication and negotiation with the insurance company.
- Represent you at meetings or hearings with the insurance adjuster, in court, or before a tribunal.
- Protect your rights under federal and provincial law.
You do not pay fees unless and until you recover compensation for you. There are no up-front or hidden fees when you hire Preszler Injury Lawyers. For a free consultation, call 1-800-JUSTICE.
Belleville Long-Term Disability Lawyer Near Me (416) 364-2000
Why Some Claims Are Denied
You would be surprised that some long-term disability insurance claims are denied over simple errors, such as:
- Incomplete forms
- Missing documentation
- Unsigned claim form
You may have been denied because you did not complete a required treatment plan or missed a doctor’s appointment. Other times, a long-term disability insurance claim is denied because your medical records are inadequate to support your claim.
How We May Help Your Appeal
Preszler Injury Lawyers has helped many disabled clients receive benefits. Although we cannot guarantee success, a disability lawyer serving Belleville can increase the likelihood of success dramatically.
Our disability lawyers can file a detailed lawsuit on your behalf in which we:
- Explain how the limitations of your disability prevent you from working.
- Describe in detail the physical requirements of your job.
- Demonstrate how your disability does not allow you to fulfill these physical requirements.
- Describe how your illness or injury caused your disability, despite your due diligence.
- Obtain testimony from vocational experts who can confidently speak about your medical condition as it affects your ability to work.
- Secure new medical evidence.
Litigating a wrongfully denied claim is a complex process, and few people are comfortable pursuing compensation on their own. You have a limited amount of time to file a claim, starting with the date that you received a denial.
Please do not let the clock run out on a wrongly denied long-term disability insurance claim. Call Preszler Injury Lawyers now: 1-800-JUSTICE.
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Understanding Internal and External Appeals
Your long-term disability insurance carrier must give you a reason your claim was denied, and it must be in writing. You have the right to file an appeal. There are two types of appeals: internal and external. Depending on the complexity of your case, you may need to file both kinds of appeals.
A disability lawyer with Preszler Injury Lawyers is familiar with both internal and external appeals and is here to help.
About Internal Appeals
An internal appeal is a request that the insurance company take another look at your claim and reverse its denial. An internal appeal may be the best course of action if your claim was denied for a simple error.
However, an internal appeal is asking the insurance company to pay a claim. This is not how insurance companies make a profit. You are still bound by their internal deadlines, policies, and processes. Even if you receive a higher-level review of your claim, you are still dealing with an insurance company employee.
Internal appeals may take months to process. This limits your opportunity to pursue an external claim. As a client, your disability lawyer with Preszler Injury Lawyers can help you stay on track so that you may exercise all your legal options before the statute of limitations runs out.
About External Appeals
In almost all cases, it makes more sense to take legal action with an external appeal. Your appeal may be heard in a courtroom. Either way, your claim is now being reviewed by a neutral third-party who does not work for the insurance company.
You should know that the best chance for success may be in filing a lawsuit in the provincial Ontario Superior Court of Justice.
Appearing before a judge is daunting for many people. Preszler Injury Lawyers can represent you throughout this complex legal process. There are several benefits if your lawsuit is successful. You might recover:
- Past benefits that were previously denied.
- Having your claim approved moving forward.
- Compensation for mental anguish caused by the denial.
- Punitive damages if the court decides that the company’s actions were egregious.
- Legal fees.
A Disability Lawyer Serving Belleville Can Help You
If you received a denial of benefits from your private long-term disability insurance company, do not give up. Please call a law firm that handles these cases. Preszler Injury Lawyers will do everything we can to help you receive the benefits you deserve.
For a free consultation, call 1-800-JUSTICE.