If you are dealing with a disabling medical condition that has forced you to miss work, you may be eligible for disability benefits to compensate you for your lost income, medical bills, and other expenses. If you have a disability policy, either through your employer or through a private third-party carrier, you can file a claim for benefits. Before you do, however, you should make sure to have a disability lawyer on your side.
Preszler Injury Lawyers serves clients in and around Trenton, helping injured workers take on the insurance companies and collect the disability benefits they deserve. Even though disability insurance is a great deal on paper, policyholders often run into challenges when they try to file for benefits, as insurance companies have a strong financial incentive to deny or reduce claims whenever possible. Preszler Injury Lawyers will fight on your behalf, helping you recover the full compensation you deserve.
For a free case evaluation with a disability lawyer serving Trenton, call our team today at 1-800-JUSTICE.
Our disability lawyers can meet with you in Trenton for a free initial consultation. Call (416) 364-2000
Why Hire a Disability Lawyer Serving Trenton, Ontario
If this is the first disability you have incurred that has caused you to miss work, you may not be aware of the importance of working with a disability lawyer when filing for benefits. You might think it is as easy as filling a claim and waiting for your check to arrive in the mail. Unfortunately, many injured workers learn the hard way that disability insurance can be much more difficult to receive than they were led to believe when they took out the policy.
Because insurance companies are for-profit entities, they have an incentive to bring in as much money as possible and to pay out as little as they can. That includes benefits to injured clients—who, ironically, pay the insurance company specifically to receive the service that the insurer later tries to deny or reduce.
If you are considering filing a disability insurance claim, or you have already filed one and received a denial, Preszler Injury Lawyers will take on the insurance company and help you collect the full compensation you deserve. For a free case evaluation with a disability lawyer serving Trenton, call us today at 1-800-JUSTICE.
Trenton Disability Lawyer Near Me (416) 364-2000
Reasons for Disability Claim Denials
Though the reason for a disability insurance claim denial is often minor, they will give you an ostensible explanation that sounds much more legitimate. Typically, when you get denied for disability, the insurance company cites one or more of the following three reasons:
Your Condition Is Not Actually a Disability
Even if you are unable to go to work and do your job because of your injury or illness, your insurance company might not consider your condition a disability.
While most people consider a “disability” any physical or mental condition that prevents one from doing their job, insurance companies often tweak this definition, limiting it to injuries or illnesses that prevent you from doing any job for which you are qualified.
If the insurance company gives you this explanation as a reason for denial, Preszler Injury Lawyers will file an appeal on your behalf and fight it for you.
Your Evidence Is Insufficient
Even if your condition meets the insurance company’s criteria for a disability, they want to see evidence—and they may claim that what you submitted is not good enough.
We will help you determine the evidence you need to preempt such denial and show you where to get that evidence.
You Filed After the Deadline
The third reason often given to disability claimants who are denied is that they filed after the deadline. That is why it is critical to speak with a lawyer as soon as possible after you become disabled. We can file a quick claim on your behalf to avoid any issues with deadlines running out.
Your Disability Benefits
The specific types of compensation you may be eligible to receive can vary based on your policy. Typically, short-term and long-term disability covers an income replacement benefit based on a percentage of wages.. Some policies pay out every month, similar to a paycheck, throughout the time you are disabled, while others compensate you with a lump sum.
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How Long You Have to File
Also varying based on your insurance company and your policy is how much time you have to file after you become disabled. As a rule, the sooner you take action, the better. Not only do you minimize your chance of filing past the deadline, but you give your lawyer more time to put together a thorough, compelling case that gets you the full compensation you deserve.
Paying for Legal Counsel
Another mistake often made by disabled workers is that they avoid speaking with a lawyer because they are afraid they cannot afford one. When you work with Preszler Injury Lawyers, this is never a concern, as we do not charge you a fee until you recover benefits. That means you never pay us out of pocket for anything. There is no financial risk in having us on your side.
Call Today for a Free Disability Case Evaluation
The disability lawyers at Preszler Injury Lawyers serve clients in Trenton and can help you recover the benefits you deserve. Before you file a claim or speak with the insurance company, talk to us. We will gather evidence and put together a thorough, compelling claim, and we will fight back against the insurance company if you have already been denied.
For a free, no-obligation case evaluation with a disability lawyer serving Trenton on our team, call Preszler Injury Lawyers today at 1-800-JUSTICE.