Was your long-term disability claim for back pain wrongfully denied in Hamilton, ON? For many workers in Hamilton, Ontario, back pain becomes so severe that it leads to missed time from their jobs or even permanent disability. If your LTD claim was denied after a back injury in Hamilton, Findlay Personal Injury Lawyers is here for you.
With over 92 years of combined experience and over $100 million recovered, our team knows how to challenge unfair decisions by insurance companies. We can help you understand your options and fight for the support you deserve.
Contact our Hamilton long-term disability lawyers today for a free consultation to discuss your next steps.
How Findlay Personal Injury Lawyers Can Help With a Denied Disability Claim in Hamilton, Ontario
Insurers in Hamilton, Ontario, are known for denying legitimate claims, especially when it comes to back pain. It’s often harder to prove than other injuries, and many claims are denied for reasons like “lack of objective evidence.” That’s where we come in.
At Findlay Personal Injury Lawyers, we will provide you with comprehensive legal services throughout the entire process. Our Hamilton long-term disability lawyers can:
- Review your denial letter and policy in detail
- Help gather the right medical records and specialist reports
- Connect you with experts who understand chronic back pain
- Negotiate directly with the insurance company on your behalf
- File an appeal or lawsuit if needed
Let us help you fight back against a denied claim and work toward the financial security you need and deserve. Contact our Hamilton personal injury lawyers today for a free case review.
Why Do Insurance Companies Deny Back Pain Disability Claims?
Insurance companies are profit-driven entities. They often challenge claims involving conditions like back pain because they are harder to prove through standard tests. It’s not uncommon to see claims denied for reasons such as:
- “There is insufficient medical evidence.”
- “You can still do sedentary work.”
- “Your condition is not severe enough.”
- “We disagree with your doctor’s assessment.”
Even if your doctor supports your claim, the insurer may still rely on its own medical consultants to dispute it. They might use surveillance, ask for more exams, or demand paperwork you’ve already submitted. All of this is designed to wear you down, but we won’t let that happen.
What Kinds of Back Pain Qualify for Long-Term Disability in Hamilton, ON?
Many different back conditions can lead to long-term disability. Some are the result of a sudden accident, while others develop over time due to work or aging.
You may qualify for LTD benefits if you suffer from:
- Herniated or bulging discs
- Chronic back pain
- Degenerative disc disease
- Spinal stenosis
- Sciatica
- Scoliosis
- Failed back surgery syndrome
- Compression fractures
If your back pain limits your ability to perform daily activities or hold a job, you may be eligible for benefits. A lawyer can help prove the extent of your condition and explain how it affects your life.
How Do I Appeal a Denied Long-Term Disability Claim?
In Canada, you often have two options after your LTD claim is denied: an internal appeal or a legal action (lawsuit) against the insurance company. Each route has pros and cons.
An internal appeal means asking the insurer to reconsider its decision. However, these are rarely successful unless you provide new, compelling evidence. Conversely, a lawsuit moves your case into the court system, where a judge can rule on the matter.
We can help you decide which path is best. In many cases, filing a lawsuit is more effective, and we can build a strong case that puts pressure on the insurer to offer a fair settlement or proceed to trial.
What Damages Can I Recover if My Hamilton LTD Claim Was Denied?
If your long-term disability claim was wrongfully denied, you may be entitled to several types of compensation. The goal is to recover the benefits you should have received and hold the insurer accountable.
Available damages may include:
- Back payments of denied LTD benefits
- Ongoing monthly disability benefits
- Interest on past-due amounts
- Legal costs
- Non-pecuniary damages for emotional distress in some cases
We’ll work to get you everything you’re owed under your policy and fight for additional relief if the denial caused you financial or emotional harm.
How Long Do I Have To File a Lawsuit for LTD Denial in Ontario?
In Ontario, you usually have two years from the date your disability benefits were first denied to take legal action. If you wait too long, you may not be able to recover compensation.
However, figuring out the exact timeline can be tricky. Sometimes insurance companies drag out the denial process, making it unclear when the limitation period begins. A lawyer can help you figure out your deadline and ensure your case is filed in time.
Contact Our Hamilton Long-Term Disability Lawyers for a Free Consultation
Living with chronic back pain is hard enough without the added stress of a denied disability claim. At Findlay Personal Injury Lawyers, we’re ready to hold the insurance company accountable. You paid into your long-term disability policy, now it’s time they honor their promise.
Our firm has helped clients across Ontario for decades, and we’ve recovered over $100 million for injury victims and disability claimants. Call our Hamilton long-term disability lawyers today to schedule a free consultation and find out how we can help.
