We know that your health needs to be your main focus during recovery, and sometimes dealing with complicated insurance policies on your own can be very difficult. That’s why, whether you’ve endured a workplace injury, experienced a motor vehicle accident or are fighting a serious illness, Wynperle Law has your back throughout the entire claims process.
Trust the professionals
Long-term disability or illness will have an emotional impact on you, but insurance claims require timely attention because of their deadlines. Your claim must be filed with your insurance company to ensure that you receive your benefits. Having a disability claims lawyer carefully review and handle all the details on your behalf will increase your chance of approval.
Once your law firm files your long-term disability claim, it may not be the last you hear of it. Don’t forget, insurance companies don’t always acknowledge your claim, and when an insurance company denies or disputes your claim, you need a disability claims lawyer in Guelph to fight for you.
Don’t see your claim denied in bad faith – call us at our Guelph office and we’ll help you make the most of your insurance policy today!
Why work with Wynperle?
When it comes to finding a good insurance lawyer, Guelph residents know they can trust Wynperle Law. Not only do we offer a free consultation, we make sure to work with you to attain the disability benefits you deserve.
Through various methods, including alternate dispute resolutions, Wynperle disability lawyers settle claims and liabilities. Our methods include—but are not limited to—negotiations, arbitration, and mediation. We have a solid track record of success and experience in and out of court.
Rejected Insurance Claim
You won’t always be told why your insurance claim was denied. In our experience, these are the common reasons:
- You missed the filing deadline
- You did not provide your medical details with your claim
- You’re missing medical details, or there are errors
- You do not meet the requirements to receive benefits
It’s always good to consult with Guelph personal injury lawyers before filing your disability claim, so you can avoid any headaches or errors and make sure your insurance company isn’t trying to deny you what’s owed.
You can call your insurance adjuster to find out the reason for the rejection, because it may be legitimate and save you time from making arrangements for an appeal. However, if you feel the denial is not justified, we will assist you in appealing your claim.
You’re injured and shouldn’t have to waste your efforts on fighting to get your benefits. Wynperle Law lets you focus on your recovery!
Schedule a free consultation now.
Long-Term Disabilities
When it comes to long-term disabilities, there is an extensive list of what qualifies for benefits. Here are a few examples:
- Arthritis
- Cancer
- Stroke
- Injuries caused by accidents
- Nervous system disorders, such as epilepsy and Parkinson’s Disease
Not all long-term disabilities are easy to prove with objective evidence. That’s why having a Wynperle lawyer by your side will minimize the ordeal of dealing with the insurance company.
Long-Term Disability (LTD) Benefits
LTD insurance is meant to assist employees who cannot work, either permanently or temporarily, due to an injury or illness. It covers about 60-70% of your income and may have a capped monthly amount. Employees are often provided LTD benefits by their employer because they fall under the employee benefits plan. However, employees are free to purchase long-term disability insurance on their own as well.
In Guelph, Ontario, you’re entitled to receive disability benefits for a certain amount of time, which is usually two years. The period begins from the moment you have been deemed unable to perform your job’s main duties.
It’s standard practice to assess your condition again after the two-year period in order to ascertain whether or not you’re able to perform the main duties of any occupation for which you’re suited. Keep in mind that you will be required to participate in rehabilitation programs, according to most LTD policies.
Many of the questions asked about LTD insurance can be answered by reviewing your policy. Some policies cover all disabilities and illnesses; others cover a select few and the Workplace Safety Insurance Board claim—if available to you—provides benefits for other types of injuries and illnesses.
If you have any questions or concerns, we’re always available.
Precautions
Insurance companies are usually entitled to choose the healthcare practitioner that will assess your condition and confirm that you require disability benefits. While they typically select a certified professional, we encourage you to contact us if you have any doubts about their reliability.
Insurance companies may hire investigative professionals to surveil and film individuals who have made insurance claims. They use these measures to acquire objective evidence that you are, in fact, disabled and not making a fraudulent claim. While these professionals follow the law, you should speak with our personal injury lawyers if you feel yourself to be in danger.
Canada Pension Plan (CPP) Disability
To be eligible for CPP disability benefits, you must suffer from a severe and prolonged disability. Essentially, your disability must be so mentally or physically debilitating that it prevents you from accomplishing productive work on a regular basis.
In order for your disability to be considered prolonged, it must also be long-term or for an undetermined amount of time. Wynperle Law lawyers are accustomed to and experienced in working with the CPP, so you can rest assured that your claim is being handled professionally.
Defending Your Rights
No matter what type of injury you’ve sustained or illness you’re coping with, the compassionate and hard-working team at Wynperle Law will make you feel welcome and confident that your case is being handled with the utmost professionalism.
From motor vehicle accidents to slip-and-falls to faulty products, we engage in case-building, communication, negotiations, arguments, and settlements. Our team is dedicated to achieving the best and fairest results for your case.
We handle various types of claims, including:
- Disability
- No-Fault
- Wrongful Death
- Chronic Disability
- Accident Benefits Insurance
- No-Fault Insurance
- Long-Term and Short-Term Disability
- Defective Product
- Premises Property Insurance Litigation
- Breach of Contract
- Tavern Liability
- Wrongful Dismissal
- Environmental Spills
- Canada Pension Plan Appeals
- Tort Claims
Always prepared
Before anything else, preparation is the key to success. At Wynperle Law, we’re committed to being prepared, so we carefully go over your case with a fine-toothed comb. Our team of lawyers will support you and your loved ones through this new challenge, so you can make it to the other side with your dignity intact while ensuring fair compensation. View our complete list of practice areas.
You won’t lose anything by consulting us, but you can lose your disability insurance benefits if you handle the issue alone. Wynperle disability lawyers are ready to take action and help you recover.
Get in touch with our Wynperle personal injury lawyers for a free consultation.
