Individuals purchase long-term disability insurance, either privately or through their employer, just in case they should ever get into an accident that leaves them unable to work and earn an income. Like with other insurance policies, policyholders pay a certain amount every month to keep their policy valid and active. Some never have to use the insurance, but others are not so lucky.
And to make matters worse, when the unfortunate happens and it is time to claim those benefits, insurance companies often do not want to pay. When this is the case, it is important that those injured or ill speak to a Toronto long-term disability lawyer to discuss recovering compensation and the steps an experienced injury lawyer can take to help you.
Causes of Disability Claims
Some long-term disabilities are due to serious personal injury, but most claims involve common sickness or conditions that affect many people. Some of the most common causes of long-term disability are:
- Heart disease and stroke
- Mental health problems
- Nervous system disorders
- Back injuries
- Traumatic brain injuries
- Chronic pain
Even when an individual has a legitimate cause for getting their long-term disability benefits, often insurance companies do not want to pay, which is why a Toronto long-term disability lawyer is very beneficial to have on a person’s side.
Common Issues with Long-Term Disability Claims
Insurance companies are in the business of making money and giving that money back to their investors, not actually paying out benefits to their policyholders.
As a Toronto long-term disability lawyer can tell their client, when insurance companies create their policies, they are often filled with complicated language that is vague, elusive, and difficult to understand. This is done purposely, as insurance companies can use this to their advantage, rejecting even legitimate claims for just about any reason they choose. Often, policyholders have to take the insurance company at their word, simply because they themselves do not understand the policy terms.
If your long-term disability claim has been denied, take a look at our comprehensive guide that describes step-by-step how to appeal a denial here.
When insurance companies do pay out benefits, they may use this same confusing language to lead policyholders to believe they are not entitled to as many benefits as they thought. This can lead to reduced or partial payments, which may not be enough to cover the expenses of the disabled person.
In other cases, the insurance company may say they are willing to pay, but the benefits are severely delayed — sometimes by months. This can also seriously affect the disabled person, as they are left with little to no resources during that time.
How a Toronto Long-Term Disability Lawyer Can Help
Sadly, many people may hinder their long-term disability case before it has even really started, and this can occur in a number of ways. One of the most common is when insurance companies tell a policyholder that they must take a medical exam with one of the insurance company’s independent doctors or medical experts.
These health professionals are not always as independent or unbiased as they may seem, and they can severely hurt a disability case by reporting that the individual is not quite as injured or sick as they are saying.
This stall tactic is just one reason why it is so important that individuals contact a long-term disability lawyer in Toronto. A lawyer can help break down insurance policies, and they can also help deal with the insurance companies so that individuals receive the full benefits they are entitled to. A lawyer can also help individuals who have been denied benefits, making sure that they have their benefits reinstated.
If you or a loved one has suffered a long-term disability, do not wait another minute to contact a Toronto long-term disability lawyer who knows how to deal with insurance companies and how to get you the benefits you deserve. Contact Preszler Law Firm today.