A disability is devastating. A denied disability claim is even more
distressing. This is where a disability claim lawyer can step in to help.
Insurance
for When You Need it the Most
Most Canadians are overly optimistic about avoiding a disability. But
in fact, it is estimated that one-in-seven Canadians are currently disabled and one-in-three working Canadians will experience a period of
disability lasting longer than 90 days during their working
lives.
Employers generally offer insurance packages with some type
of disability compensation. Depending on the plan your employer offers, you may
have short-term disability and long-term disability benefits. Insurance
policies vary and there are several types of disability benefits plans and programs in Canada. But having disability
insurance does not always mean you are completely covered.
Options When a Disability Claim is Denied
It can be very discouraging when turned down for disability benefits.
Refusals are often a part of the process, and are not necessarily an indication
of whether your claim for LTD benefits will ultimately be determined. There are
a number of routes that you can take depending on your particular insurance
policy.
Those routes can include appeals, mediation and suing the insurance
company for benefits. It is important to contact a disability lawyer early on
in the process so that you can understand exactly what your policy says and the
manner in which you can fight a denial!
A disability claim lawyer will either charge on an hourly basis, or on
a contingency fee basis – a percentage of the amount recovered. Many people
prefer to hire a lawyer on a contingency basis, because there is no payment of
legal fees unless and until there is recovery from the insurance company.
More Than Another File
If your claim was denied, a disability claim lawyer will
evaluate whether or not the insurance company’s decision was appropriate. You
have paid thousands of dollars in insurance premiums and a disability claim
lawyer will work at getting the full benefits you are entitled to under your
insurance policy.