If you are denied from the insurance company this is when a Hamilton Long-Term Disability Lawyer can help get what you deserve. Long term disability lawyers know the tactics insurance companies use to deny, or reduce the value of, your claim. Typically, there are strict guidelines in place to determine your ongoing eligibility of LTD, what costs the insurance company will cover, how and when benefits will be paid out, as well as when benefits will start and end. If you choose not to comply with the insurance company’s guidelines this will result in your claim being denied or lead to unnecessary delays.
If you've been denied your LTD claim, or have had your LTD cancelled/terminated suddenly, talk to one of our Hamilton lawyers for free and see if you have a case. Simply call, click, or chat; lawyers are standing by 24 hours a day, 7 days a week. Call our Hamilton office at (905) 522-9799.
Your medical records are vital evidence that supports your LTD claim. It is recommended that you follow your physician's recommendations. This means attending all needed appointments, taking your medications that are prescribed to you, limiting your physical activity, (if that's what your doctor recommends), avoiding all illegal drugs, as well as eliminating or limiting your alcohol consumption.
If you don't follow the advice given by your doctor, the insurance company will argue that your actions are stopping you from getting better, and will deny your claim. If you are unable to afford your medical care during your LTD claim, we can assist in exploring areas of financial assistance while we're working on your legal case.
Your benefits are often calculated by the average of your income, and insurers will cover between 60 and 80 percent of your employment income. However, if you earn your income by overtime, commission, or bonuses, you should be contacting a Hamilton long term disability lawyer who will assist you in getting a fair estimate of your total earnings.
As we know, insurance companies don’t like to give out top dollar and will often reduce your claim.
Insurance companies are known for trying a number of tactics for reducing the total value of your claim. Even if your claim seems simple and straightforward, insurance companies will try to deny or disagree with your claim. If you receive denial from your insurance company it is in your best interest to review your case with an experienced and qualified Hamilton LTD lawyer to reinstate your claim.
Disclaimer: The information throughout this website is not intended to be taken as legal advice. The information provided by Findlay Personal Injury Lawyers is intended to provide general information regarding personal injury law, catastrophic injury cases, wrongful death claims, medical malpractice lawsuits, car accidents, truck accidents, motorcycle accidents, and more for residents of Hamilton, Burlington, Stoney Creek, Brantford, Niagara Falls, and nearby areas in Ontario. This website is not intended for viewing or usage by European Union citizens. If you are interested in learning more about our law firm, please contact us for a personal consultation.