Being denied short or long term disability benefits or having your insurance benefits terminated can plunge you into a financial crisis and increase your stress burden.
Here are five important details that you should know to help get your through these difficult times.
1. DON’T PLAY THE INTERNAL APPEAL GAME WITH YOUR INSURANCE COMPANY
Disability insurance companies will try to lull you into a false sense that they really will change their mind if you write to them to appeal internally. They will make you jump through hurdles to obtain unrealistic types of further documentation at your expense and will proceed to maintain their denial. Think about it does it really make sense to ask your disability insurer to make a finding that your case manager was wrong? Unrealistic right?
2. YOU NEED TO REGULARLY VISIT YOUR DOCTORS
Every time you see a health practitioner they make notes about your medical complaints. These notes form part of the medical evidence necessary to prove that you are disabled from working. If you don’t go to the doctor then unfortunately you may have an uphill battle ahead.
3. YOUR DISABILITY INSURANCE POLICY WILL CONTAIN A DEFINITION OF DISABILITY
Your relationship with your disability insurance company is governed by the insurance policy. The policy usually defines disability in two ways. For the first two years you have to establish that you are disabled from performing the essential tasks of your pre disability employment. After two years on claim you have to prove that you are totally disabled from performing any gainful employment that you are suited to by way of education, training or experience.
4. YOUR DISABILITY INSURANCE COMPANY MAY LOOK AT YOUR SOCIAL MEDIA OR USE SURVEILLANCE
Disability insurers are commonly know to do this. They may take what they find out of context to maintain their denial or termination of your disability benefits.
5. YOU NEED AN EXPERIENCED DISABILITY INSURANCE LAWYER TO HELP YOU FIGHT YOUR CASE
Fighting a denial or termination of short or long term disability benefits is a tricky process. The disability insurance company will place many hurdles in your path to justice. An experienced disability claim lawyer will review all of the documentation and start your law suit early. They will understand that you are undergoing hardship without a source of income. They will help you with a CPP disability claim if necessary. They will bring the case to an speedy resolution so your financial burden is lifted.
If you have been denied short term or long term disability benefits by a disability insurance company you are no doubt feeling frustrated by the process. At Kotak Law we are committed to helping people access the disability benefits they have been denied and we understand your frustration with your disability insurance company.
We offer free consultations and don’t charge until your case is resolved. We represent people throughout Ontario and for those who cannot meet us at one of our offices we offer consultation at your home, a local coffee shop, courthouse, by telephone, Skype or WhatsApp.
KOTAK PERSONAL INJURY LAW/DISABILITY LAWYERS CAN HELP YOU
We understand that being denied disability benefits can be frustrating and devastating. Your time to fight your disability insurance company is limited. Please do not delay in calling long term disability lawyer. We have successfully sued numerous disability insurance companies including: Manulife, Sunlife, Desjardins, Great West Life, Blue Cross, AIG, SSQ, RBC, Industrial Alliance and more.
Call your trusted long term disability lawyers at 1-888-GOKOTAK or (416) 816-1500. Our consultation is free and we don’t get paid until you do. We can meet you at our offices, at a coffee shop, your home or a local court house. We represent disabled people throughout Ontario including Toronto, Mississauga, Brampton, Milton, Georgetown, Orangeville, Oakville, Burlington, Hamilton, St. Catharines, Niagara Falls, Stoney Creek, Kitchener/Waterloo, Cambridge, London, Windsor. Markham, Pickering, Oshawa, Peterborough, Keswick, Kingston Ottawa and other locations.
Disclaimer: This article is intended to supply general information to the public. We make every effort to ensure the accuracy of this information. However, as laws change quickly, the reader should always ensure the accuracy and applicability of such information with respect to their particular case. The information contained in this article cannot replace a thorough and complete review of the reader’s situation by competent legal counsel who has had an opportunity to review all of the facts.