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 Wynperle Law, our long-term disability lawyers understand the subtleties of both short and long-term disability insurance, and we work tirelessly to make sure that you receive the insurance benefits you are entitled to.
If your disability insurance benefits have been denied, prematurely ended or delayed by your insurance company, the long-term disability lawyers at Wynperle Law can help.
Contact us for a free consultation
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 most people’s lives, there comes a time when having a strong advocate by your side becomes crucial. When faced with long-term disability denial, enlisting the assistance of a knowledgeable long-term disability lawyer is the most effective approach. While legal representation is not mandatory, experienced disability lawyers play a vital role in ensuring the accurate completion of your application and can offer valuable legal alternatives should your claim be rejected. Their expertise can significantly enhance your chances of securing the benefits you rightfully deserve.
An experienced Hamilton disability lawyer from Wynperle Law will make sure that your rights are respected throughout the disability claim process and do everything in their power to make sure that insurers live up to their disability insurance contracts.
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.
Under group policies, disability benefits are often payable for two years if the claimant cannot perform the duties of their own occupation, and after two years if they cannot perform the duties of any occupation that is reasonably suitable.
Private disability policies may follow this common arrangement, but they can also be quite different. Whether it is a group disability policy or a private disability policy, it is always important to check the policy itself for the specific terms and conditions—as they can vary considerably from this format.
Short and Long-term Disability Benefits
When you are unable to work due to a disability, you deserve timely and full payment of the compensation you are entitled to.
Insurance plans typically include short-term disability and long-term disability benefits. Short-term benefits are available to individuals who sustain an injury or illness that prevents them from returning to work.
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.
Contact a Wynperle disability lawyer to evaluate your options if your benefits have been denied or terminated.
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.
This medical evidence will confirm the diagnosis, course of treatment and prognosis provided by your doctor.
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.
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.
Have You Been Unfairly Denied Long-Term Disability (LTD) Benefits?
If you are facing an insurance claim denial, it does not mean that you do not have a legitimate claim. Some long-term disability claims are unfairly denied, for a variety of reasons. Ultimately, insurers are looking to make profits, and denying benefits keeps money in the company coffers.
If you believe that your claim was denied without a valid reason, contact a long-term disability lawyer to get the benefits you deserve.
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.
Wynperle Law – Trusted Hamilton Long-Term Disability Lawyers
If you are having an issue with your disability coverage, the Wynperle 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 Wynperle 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.