Since taking out your long-term disability insurance policy, you have paid the premiums diligently either as a payroll deduction or by private means. Thus, when you recently had to apply for those benefits because you got sick or sustained injuries, you were shocked to find out that your insurance company denied your application.
In situations like this, an experienced personal injury lawyer that specializes in long-term disability claims may be able to help you get the benefits you’re entitled to. There may be many reasons why you need the claim processed. Usually, it is due to the after effects of the catastrophic accident. From losing a limb or brain injuries, the variety of symptoms and disabilities vary. However, to cover the loss of wages, lack of employment and after care requirements need to be compensated.
It’s not the End of the Line
Even though your insurer denied your claim, you don’t have to throw in the towel. Rest assured that a personal injury law firm will not give up either and won’t be intimidated by the insurance company or their lawyers should the matter go to court. Once you take your case to a lawyer, you no longer have to deal with your insurer. As your advocate, a personal injury lawyer in Mississauga will help you:
• analyze how the insurance company determined that you could still work even though doctors say you can’t
• determine if there has been a violation of your employee rights
• examine the terms of your policy, including total disability requirements
• figure out why the insurer denied your claim
• help you avoid the common pitfalls that individuals encounter when filing their long-term disability claims
• identify any errors that the insurer made in their denial of your claim
• take appropriate action to ensure you receive your benefits
Keep in mind that insurance companies deny long-term disability claims all the time for two primary reasons.They will either claim that the person isn’t disabled enough, that they failed to meet the eligibility requirements involved, or that you have a pre-existing condition. This is why it is so important to consult with a personal injury lawyer after being denied your benefits.
If there is one thing that is true about long-term disability insurers, it’s the fact that they are only concerned about the company bottom line and do not have your best interests in mind. If you’ve recently been denied benefits that you’re entitled to, contact a legal firm that specializes in long-term disability claims. It is important that they specialize in such cases, so that they are able to handle it properly. Discuss your requirements and get your case evaluated before filing for a claim.