Hamilton Long Term Disability Lawyer

Has your long term disability claim been wrongfully denied? The Hamilton long-term disability lawyers at Findlay Personal Injury Lawyers are here to help. Our team has seen countless long-term disability insurance denials and knows how to help you get a favorable resolution to your claim. Contact us today or call (905) 522 9799.

The process of filing a claim or appealing an LTD denial is complicated and can feel daunting. Rest assured that Findlay Personal Injury Lawyers can help; we have recovered millions of dollars in wrongfully denied claims. 

Schedule a free consultation to discuss your case with a member of our legal team.

How Can Findlay Personal Injury Lawyers Help with Your Long Term Disability Claim?

How Can Findlay Personal Injury Lawyers Help with Your Long Term Disability Claim?

Long term disability insurers have very specific guidelines for determining eligibility and strict conditions involving what they will cover. Often there are rules and regulations that you will need to follow throughout the claims process to ensure that your claim is valid; not following these rules exactly may result in a denial or at the very least unnecessary delays. 

Our legal team of personal injury attorneys are familiar with the language of insurance contracts and the practices of insurance companies. When you hire our Hamilton long term disability lawyers, we can:

  • Work with doctors to gather your relevant medical documents
  • Review your contract to check whether your insurer is fulfilling their end
  • Make sure any appeals paperwork for your claim is filed on time
  • Gather sufficient evidence of your condition
  • Argue your case in a court of law
  • Help get your benefits reinstated

It’s unfair that in a time of need, many people discover their LTD benefits are hard to receive, usually because their insurance company tries to stall or cancel their benefits. Contact us today in Hamilton, Ontario, and get a legal team that knows what to do. Call 905-522-9799 and get a free consultation.

What if the Insurance Company is Refusing to Pay Your Benefits?

Has your LTD claim been denied by any of the following insurance companies?

Insurance companies are known for denying LTD applications initially, in the hope that those denied will simply accept they are not covered, and simply leave the insurance companies alone. Although this is unethical behaviour, initial LTD applications can be rejected for many reasons. 

Typically, to qualify for long term disability benefits, you must have a disability (deemed so by a medical professional) that leaves you unable to perform the duties of your job. Unfortunately, many insurance companies unreasonably deny disability benefits to people who qualify, as they know some people will not push back against an initial denial, leading to increased profits for the insurance company. 

You do not necessarily need to have a physical disability in Ontario to qualify for a benefit claim. Long term disability insurance can cover several medical conditions such as chronic pain, depression, anxiety, schizophrenia, severe bipolar disorder as well as other invisible disabilities and health conditions. This is one of the major reasons to connect with an experienced long term disability lawyer, as they will help you to explore all the options available to you. 

What Should You Do If the Insurance Company Wrongfully Terminates Your Benefits?

Your immediate action is critical when it comes to being wrongfully cut from your long term disability benefits. Any delay will only harm your chances of getting your benefits back!

The first step you need to take is to contact one of our experienced disability lawyers, who will be able to review your situation and determine the best course of action. Our lawyers will help you throughout the entire process, so you will know exactly what needs to be done and when. You will never be alone during this process. 

In Canada, disability claimants are entitled to benefits provided they meet the criteria of total disability. The meaning of “total disability” is when you cannot perform the duties of your outlined occupation, even if you can perform other tasks at another job. After two years, disability policies change their meaning; you must be unable to complete the activities of any occupation that you are suited for, depending on your education and experience. 

Insurance companies will commonly cut people off their disability benefits after two years, citing that they have found the person to no longer meet the requirements of “total disability”. Although this can happen in some cases, insurance companies are known to unfairly cut benefits and then reinstate benefits once confronted with a court case. Sadly, there are too many Canadians that simply accept their benefits have been terminated, so much so that insurance companies find it ‘cheaper’ to litigate with the few that push back for what is rightfully theirs. Therefore, it is essential that you talk to one of our long term disability lawyers about your benefit termination, and getting your benefits reinstated. 

What Types of Injuries Qualify for LTD benefits?

Qualifying for long term disability benefits solely depends on the coverage that you have under your insurance policy. The key aspect of qualification is generally if your injuries or illness prevents you from doing your job. Depending on how long you are affected by your injuries, 

benefits may only cover you for a brief period, until you are able to work again. 

Common injuries that qualify for LTD benefits include:

  • Head/brain Injuries
  • Neck injuries
  • Spinal cord injuries
  • Back injuries
  • Chest injuries
  • Broken bones
  • Nerve damage or soft tissue injuries
  • And other disabling injuries

Injuries that cause physical disabilities are often cited in long term disability claims. However, these injuries can be caused by car accidents, truck accidents, bicycle accidents and even slip and falls. This can complicate claims and create issues, so it is always best to connect with a long term disability lawyer when facing these combined challenges. 

Contact Our Hamilton Long Term Disability Lawyers for Help With Your Claim?

Don’t go through the confusing LTD claims process alone. Our Hamilton long term disability lawyers at Findlay Personal Injury Lawyers are here to help.

We’ve been helping Ontario clients recover the LTD benefits they deserve for decades. We’re ready to put our experience and skills behind your claim. Contact us today to schedule a free consultation to discuss your case with one of our skilled lawyers.

Our personal injury law firm in Hamilton, ON also handles: