What Should You do when Your Long Term Disability Claim is Denied? (Toronto)
Consideration has been given for the editing and publishing of this post
Youâve worked hard all your life. Then, out of the blue, something bad happens to you and you are rendered unable to work. It can be the result of an illness, an accident, or injury. It doesnât matter why â as long as the reason is one that isnât excluded by your long term disability coverage.
Unfortunately, once your short-term disability benefits have been exhausted, the insurance company denies your application for long term disability. What do you do after youâve had your long term disability claim denied?
The first step in the process is to look for long term disability lawyers in Toronto who know how the system works.
The sad truth is that many companies will deny your first bid for long-term disability out of hand. Theyâll deny these claims with wrote allegations such as:
- Disability is insufficient to warrant disability benefits.
- Applicants arenât actually disabled.
- Applicants misrepresented scale or scope of injuries on insurance applications.
These wrongful denials themselves can serve to exacerbate existing injuries, illnesses, and psychological traumas while, at the same time, denying access to treatments and surgeries that are sorely needed.
A highly skilled and qualified Toronto attorney has the contacts to help you get the benefits youâve paid for, in good faith, all these years for moments just like these.
What Should You Expect from Your Long-Term Disability Attorney?
Not all attorneys are created equal. There are a few things you should look for and expect from your long-term disability attorney, including the following.
Specific experience with long term disability cases. These can be very tricky as insurance companies are in business to make money and donât like letting go of it if they donât feel it is necessary. Their attorneys are practised at holding onto said money. Experienced attorneys will present stronger arguments on your behalf and be a voice of reason.
Find attorneys that treat you and your disability with compassion. If you donât feel like a whole person with discussing your circumstances with your attorney, find one who will make you feel that way. Itâs as simple as that. The denial of benefits youâve paid for, so faithfully over the years, is a blow and can make you feel inferior by itself. Do not work with an attorney that makes you feel anything less than capable and whole regardless of your disability.
Understands the battle ahead of you. Long term disabilities are the result of injuries, illnesses, and conditions that are fairly catastrophic. That means that you do not have an easy road to recovery that will allow you to return to life as you know it anytime soon. You need to work with an attorney who understands what your battle will be like and can present that in court, with expert witnesses to speak up on your behalf.
The attorneys at Howie, Sacks and Henry have a long history of experience dealing with long term disability denials and more. We will go to bat for you so that you can get the peace of mind that comes with having those financial obligations met while you try to recover from your injuries.