When it comes to disability, many people are in denial. They think they are young and invincible. Nothing can happen to them.
Canadians tend to have misconceptions about disabilities. They often believe that disabilities are caused by one-time accidents. The truth is that chronic conditions are six times more likely than accidents to cause disability.
They tend to think they are careful. More than 70% of Canadians believe that a healthy lifestyle can prevent disability. While living healthily can help, it cannot totally prevent all disabilities. Chronic conditions can still occur. Many Canadians do not have disability insurance, so if they cannot work, they will have no income other than through social welfare programs.
Disability insurance is not always on people’s minds, but it can be a lifesaver should something happen. What will happen to your car if you cannot make the payments? What about your mortgage? Even everyday expenses can become a burden if you become disabled and unable to work and earn income.
No matter your age, disability insurance should be something to think about. There are inexpensive plans to choose from, and while you may never need to use your coverage, it offers peace of mind in case the unexpected occurs and you do need to use it. If you become disabled, you will be able to receive a monthly benefit based on the terms of your insurance policy.
Even if you have disability insurance, though, benefits are not guaranteed. The process is not so straightforward and denials are common. People have to meet certain conditions in order to meet the insurer’s definition of disability, which can vary. If they do not meet these conditions exactly, their claim will get denied. This can be extremely frustrating to a person who is sick, injured and unable to earn money.
The Belleville disability lawyers at Preszler Law Firm can help you with your claim. Many disabilities, such as spine injuries, back and neck injuries, traumatic brain injuries and chronic pain, can qualify you for disability. Even mental conditions such as depression and dementia can make you disabled and eligible to receive compensation. We can help you file a claim against your insurance company. Call us today at 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
Top Causes of Disability in Canada
More than 20% of Canadians suffer from one or more disabilities. This amounts to 6.2 million people in the country. A higher percentage of women have disabilities, at 24% of women and 20% of men. As predicted, younger people are less likely to have disabilities. Only 13% of those between the ages of 15 and 24 have disabilities, while that number nearly triples to 38% for those over the age of 65.
The most common disabilities are pain-related (15%). Flexibility and mobility are also common, at 10% each. Seven percent of Canadians have disabilities that are related to mental health.
While a serious car accident or an accident at work or home can lead to a disability, disabilities are more likely to happen from chronic conditions such as mental illness, cancer, heart disease, and arthritis. Just 8% of disabilities occur due to car crashes, falls, and other accidents. In Canada, mental health disorders such as Alzheimer’s disease, depression, and substance abuse comprise 31% of disabilities, making it the highest category. 16% of disabilities stem from cancer and its complications. Heart disease accounts for 12% of disabilities. Arthritis and other musculoskeletal diseases make up 5% of disabilities. 28% of disabilities are classified under Other.
Many people with disabilities continue to work, but those without disabilities are better able to find employment opportunities. Of those without disabilities, 80% are employed, compared to 59% of those who are disabled.
Belleville Long-Term Disability Lawyer Near Me (416) 364-2000
Why Hire a Lawyer?
Even if you dutifully pay your premiums for disability insurance, your claim could still be denied. It is not difficult to make a mistake that can negatively impact your claim. You may try to file a claim on your own and save money, but after all that stress, your claim could still be denied.
At Preszler Law Firm, we know the law when it comes to disability. We will make sure your claim is filed on time and take the stress out of the situation. We will work with the insurance company and help you understand the requirements so you can get the benefits you deserve.
Every disability insurance policy is different. Each has its own requirements and one insurance company’s definition of “disability” may not be the same as another. For example, to some, disability means that a person cannot work in any job, while others consider disability to mean that you cannot work in your previous job.
There are three main reasons why an insurance company might deny a disability claim:
- Your injury or medical condition does not meet the definition of “disability.”
- You did not submit sufficient evidence to prove you are disabled.
- You failed to file your claim on time.
Hiring a lawyer can help you avoid a denial. Even if you have been denied, your claim does not end there. An appeal is possible although it is generally ineffective. A lawsuit is generally the only way to hold insurance companies accountable. Let us help you prove that is in fact disabled so you can obtain the compensation you deserve.
Speak with an Experienced Disability Lawyer
You may think your disability insurer should be more than happy to pay your claim in the event of a disability since you are a paying client. However, the sad reality is that insurance companies care about their profits—not your medical condition. Insurance companies are not in the business of paying claims because this causes them to lose profits.
If you are unable to work due to an injury or medical condition and your insurance company will not pay up, get help from the long-term disability lawyers at Preszler Law Firm. Even if the insurance company has denied your claim, we can file a lawsuit and help you gather the evidence you need to prove your claim. Schedule a free consultation by filling out the online form or calling our office at 1-800-JUSTICE.