Your Personal Injury Lawyers
3 Ways a Disability Lawyer May Be Able to Help Appeal Your Denied Claim
Long-term disability benefits, or coverage for lost wages during long-term infirmary, are meant to protect you in the event of an unexpected injury or illness. They are very valuable assets on which many individuals and families rely when unable to return to work.
Unfortunately, many long-term disability claims are denied upon the initial application. Should this occur, it’s important to consult a lawyer as soon as possible to discuss how best to handle your application. And, while a lawyer isn’t mandatory for appeals, having one could make all the difference in the outcome of your case and most importantly, the approval of your long term disability claim.
For questions specific to your appeal or legal advice on next steps, contact our Ontario long-term disability lawyers.
Common Reasons for Disability Claim Denials
Many claims are denied simply because the application was incomplete or the applicant made inadvertent errors when filing out the forms. When you receive a letter of denial, one of the first things to do is carefully re-read your application.
Did you answer all the questions completely? Did you submit all necessary documentation? If you find a discrepancy or missing information, often simply correcting your errors and resubmitting your application will be enough.
Another reason long-term disability benefit claims can be denied is because your condition may not meet your insurance company’s definition of disabled. Have a lawyer review your policy and your medical reports to determine if your application accurately and sufficiently explained your injury.
Finally, disability claims are commonly denied because the applicant failed to submit to the insurer’s request for a medical examination. Obtaining this exam and resubmitting the application might help the claim move forward.
Gathering Medical Evidence in a Disability Claim
If your original denial was related to a lack of sufficient medical evidence, your lawyer may be able to help you obtain psychological or physical exams to substantiate your claim. Also, your lawyer may be able to enlist the services of a medical field expert to verify the extent of your disability, which may grant credence to your disability claim.
Completing forms and filing them with the correct information, providing adequate proof of disability, and gathering information about income and expenses can be a long, arduous and complicated process. By working with our long-term disability lawyers, you may be able to overturn your insurer’s initial determination in order to recover the compensation you are rightfully owed.
CONTACT PRESZLER INJURY LAWYERS
If your claim for long-term disability benefits has been denied, consider booking a free initial consultation with Preszler Injury Lawyers. Our Ontario long-term disability lawyers may be able to help you appeal your insurance provider’s decision in an attempt to help you collect the benefits you are rightfully owed. To learn more, call our long-term disability lawyers serving Ontario by calling 1-800-JUSTICE today.
