According to the Government of Canada, if you suffered an injury that is forcing you to miss work, disability insurance can provide you with income while you recover. This type of insurance exists to protect workers from the lifestyle effects that often follow missed paychecks, such as eviction, foreclosure, collection letters and calls, and even the inability to meet basic needs. Unfortunately, insurance companies are known for denying claims and for cutting off benefits before the injured party has recovered enough to return to work.
Before filing a claim with the insurance company, speak with Preszler Injury Lawyers. We have a long track record of helping injured clients in Ontario file disability claims and receive the benefits they deserve. If you filed a claim and were denied, we can help you put together a compelling appeal or lawsuit. You deserve disability benefits for your Markham injury, and our job is to help you get them. To schedule a free initial case evaluation today, call us at 1-800-JUSTICE.
Our long-term disability lawyers can meet with you in Markham for a free initial consultation. Call (416) 364-2000
Hiring a Disability Lawyer Serving Markham
When it works as it should, disability insurance offers an easy, one-stop place to collect compensation for an injury that forces you to miss work and the income you might desperately need in order to keep your bills paid and the lights on. But to get this money, you have to deal with the insurance company—a task that, at best, is no fun and, at worst, is fraught with monumental stress and irritation.
Remember: insurance companies are for-profit businesses. They exist to turn as big a profit as possible. One way insurance companies maximize profits is by paying out as little as possible. In other words, they have a strong financial incentive to deny or reduce claims whenever they can. We have had many clients come to us after receiving denials from their insurance company, only to have us examine their policy and their medical records and determine they were always eligible.
At Preszler Injury Lawyers, our job is to help you get the disability benefits you deserve as quickly as possible. We want to get started on your claim right away. For a free initial case evaluation, call us at 1-800-JUSTICE.
Markham Long-Term Disability Lawyer Near Me (416) 364-2000
The Reasons Claims Are Denied
If the insurance company denies a disability claim, they usually provide one of three stated reasons for doing so. They are as follows:
Your Condition Did Not Meet Your Policy’s Definition of a Disability
Most often, the insurance company will claim that the policyholder’s injury or illness does not meet the definition of a disability as laid out by their policy. Frequently, this happens because the policy contains complex legal language about how to qualify as a disability. An injury or illness must prevent the worker from doing any job, not just their current occupation. For example, if a firefighter ruptures an Achilles tendon and can no longer battle fires, but they can sit at a desk, the insurance company will claim they are not disabled—even if they have no experience in any job but firefighting.
You Did Not Present Enough Evidence Proving Your Disability
The second reason most frequently given for disability claim denials is that the injured party failed to present adequate evidence proving their condition meets the criteria of a disability. Preszler Injury Lawyers will gather evidence on your behalf and put together a compelling claim that makes it difficult for insurance companies to deny based on this reason.
You Did Not File Your Disability Claim on Time
Lastly, the insurance company might assert that they did not receive your disability claim on time.
Regardless of why the insurance company denied your claim, we will collect evidence and file a thorough, compelling appeal or lawsuit on your behalf, helping you collect the benefits you deserve. To get started today, call a disability lawyer serving Markham at 1-800-JUSTICE.
Disability Benefits You Can Recover
The provisions of your disability insurance policy determine the specific benefits you are eligible to recover. Usually, disability insurance pays for your lost wages up to a maximum period away from work. It may pay these benefits monthly as a percentage of your income from work, or it may confer them in a lump sum—it depends on your policy.
When you come in for a free initial case evaluation with Preszler Injury Lawyers, we will go over your policy with you and, in plain English, let you know what it covers and what you should expect to receive.
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The Deadline to File a Claim
Again, the deadline to file a disability claim depends on your insurance company and your policy. The sooner you file, the better. Once you have received any medical care you need, call Preszler Injury Lawyers at 1-800-JUSTICE so that we can help you begin the process.
The Costs of Having Legal Representation
Many people who suffer injuries are hesitant to get a lawyer involved. They tend to be afraid of the struggle to pay for a lawyer, particularly if they are anticipating an extended period away from work and are uncertain their disability claim will even get approved.
At Preszler Injury Lawyers, we handle disability claims on a contingency basis, meaning we do not get paid until you do. You will never be asked to pay us out of pocket to represent you in a disability case.
Call 1-800-JUSTICE for a Free Initial Disability Case Evaluation From Preszler Injury Lawyers
If you suffered a disabling injury that is preventing you from working, you should speak with a disability lawyer serving Markham from Preszler Injury Lawyers today. We can help you file a successful disability claim and fight back against any attempts by the insurance company to deny that claim. We help injured clients collect the disability benefits they deserve so that their lives suffer as little interruption as possible while they recover. For a free, no-obligation initial case evaluation with a member of our team, call 1-800-JUSTICE today.