Long-Term Disability Lawyer – Hamilton
If you are unable to work due to an injury or illness, it is expected that you should be able to receive compensation from your insurance company. Regrettably, numerous individuals in Hamilton, Ontario have experienced unjust denials of their long-term disability claims or premature termination of their benefits.
Disability claimants often encounter various obstacles and challenges when dealing with their insurance providers. These companies, primarily focused on their financial interests, sometimes reject disability insurance claims based on bureaucratic reasons alone. In certain cases, insurance companies may even go as far as accusing individuals of submitting fraudulent long-term disability claims.
At DWA Law, our long-term disability lawyers understand the subtleties of both short and long-term disability insurance law, and we work tirelessly to make sure that you receive the insurance benefits you are entitled to.
What Conditions Qualify for Long-Term Disability Benefits?
In essence, long-term disability insurance should ideally cover any injury, illness, or condition that hinders someone from working. However, specific disability insurance policies outline certain exclusions. Despite this, there are numerous physical, mental, and emotional health issues that indeed qualify individuals for long-term disability insurance benefits.
If you have contracted an illness, been involved in an accident or are suffering from a condition that prevents you from working, you should contact a long-term disability lawyer to discuss your situation. You could be eligible for disability claims.
Do I Need a Lawyer for Long-Term Disability Claims?
At some point in life, many people encounter situations where having a strong advocate by their side becomes not just helpful, but essential. One such situation is when you’re faced with wrongfully denied disability benefits. Navigating this stressful and complex process on your own can feel overwhelming, which is why enlisting the assistance of a knowledgeable long-term disability lawyer is the most effective way to protect your rights and improve your chances of a successful outcome.
When disability insurance companies deny or delay benefits, it’s essential to have a legal expert who understands the intricacies of disability law by your side. An experienced Hamilton disability lawyer from DWA Law will meticulously guide you through the entire disability claim process, ensuring that your rights are respected every step of the way. They know how to deal with disability insurers and will fight tirelessly to ensure that these companies live up to the terms of their insurance contracts. From ensuring that all required documentation is properly submitted to countering unjust denials, a skilled Ontario disability lawyer can make all the difference in your case.
It’s not uncommon for people to feel powerless when their disability claim is wrongfully denied. However, with the right legal support, you can take action to challenge that denial. At DWA Law, we offer a free consultation to discuss your case. We believe that everyone should have access to justice, especially when their livelihood is at stake. Our team of dedicated lawyers understands the tactics used by disability insurance companies to deny claims, and we work diligently to counter these strategies.
Having Ontario disability lawyers who understand both the legal and emotional complexities of your situation can provide you with peace of mind. Whether you’re just starting the claims process or your benefits have been wrongfully denied by your disability insurer, DWA Law is here to stand up for your rights.
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Disability Insurance Coverage
If you become sick, injured or unable to work for any medical reason, disability insurance protects your income by providing benefits equivalent to a large proportion of your lost income.
Note: the injury or illness doesn’t need to have occurred while at work or as a result of the work. Benefit entitlements, as well as their duration and payable amounts, are outlined in individual policies. For all policies, your inability to work must be supported by your doctor. If your application for benefits gets denied, you may have the right to sue. If you have been receiving disability benefits and your insurer terminates your benefits, you may also have the right to sue.
2-Year Limitation Period for Denied Disability Claims
If your claim has been denied, and you want to start legal proceedings, there is a two-year time limit to start a lawsuit against your insurance company. Few people realize this deadline exists, which can lead to the denial of many legitimate claims.
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Long-Term Disability Insurance Claims
In order to file a long-term disability claim, you will need to provide your insurance company with the following information.
Medical Records
This medical evidence will confirm the diagnosis, course of treatment and prognosis provided by your doctor.
Employment History
Your employment history will be reviewed in order to establish your previous income levels and future earning capacity.
Current Employment Information
Itemizing your regular tasks will help insurance examiners understand why your condition prevents you from working.
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Why You Need Hamilton Disability Lawyers
Incomplete or missing information could result in the denial of your claim. Having a disability lawyer review your claim will help make sure it contains all the required information and reduce your risk of denial. If your claim has been denied, your lawyer will be able to review all the pertinent information and increase your chances of approval upon appeal.
Passionate – Dedicated – Professional
Disability Insurance Coverage
If you become sick, injured or unable to work for any medical reason, disability insurance protects your income by providing benefits equivalent to a large proportion of your lost income.
Common Reasons Used by Insurance Companies to Deny a Disability Claim
Insufficient Medical Documentation
A common tactic used by insurance companies is to say that your medical documents don’t properly support your claim without providing a specific explanation.
You Are Not “Totally Disabled”
Insurance companies often use this kind of misleading language to deny claims. Some people believe this term means that you need to be completely paralyzed or in a coma in order to qualify. But that is not true. If your condition prevents you from performing your job, you should qualify for disability benefits.
“You Can Do Similar Work”
Insurance companies will sometimes take away someone’s disability benefits because they claim that the person can move into a similar occupation. If your insurance company adopts this approach, and it runs contrary to your doctor’s advice, contact your disability lawyer.
“We Have Surveillance On You”
Unfortunately, this intimidation tactic is quite common. Insurance companies claim that they catch people performing tasks or activities that purport to prove that the person is not actually disabled. If your insurance company ends your benefits or denies your claim as a result of surveillance they collected, contact a long-term disability lawyer as soon as possible.
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DWA Law – Trusted Hamilton Long-Term Disability Lawyers
If you are having an issue with your disability coverage, the DWA Law team will defend your interests if you have experienced any of the following situations:
- Unreasonable demands from your insurance provider in order to receive or maintain benefits
- Wrongful denial of disability claims
- Wrongful termination of disability benefits
- Improper calculation of disability benefits
- Violations of privacy rights
At DWA Law, we understand the challenges individuals face when dealing with insurance companies regarding long-term disability issues. Our dedicated team of experienced lawyers has tirelessly fought for countless clients, achieving fair resolutions that address the unique struggles they have encountered. Our proven track record reflects our steadfast dedication to ensuring justice is served for each and every client we represent.
