Applied for disability benefits and got denied?
Kotak Law Disability Claim Lawyers in Edmonton can help you get the benefits you deserve
Were you expecting to get disability benefits from your insurance company but your claim was denied? Don’t get disappointed. Kotak Law Disability Lawyers in Edmonton is here to get you justice. We have a team of highly experienced lawyers who have won numerous cases against leading insurance companies to help clients get the benefits they are entitled to.
Kotak Law Disability Claim Lawyers in Edmonton will help you gather all the necessary documents to support your case, sort through all of the complicated paperwork, and manage deadlines. Hiring us will prove beneficial as we provide our valuable clients with:
- Free Consultation
- Experienced lawyers
- No payment until you win
- A responsive and accessible legal team
- Client-focused solutions
Contact us to get your legal issues resolved in a professional and swift manner with our efficient services at affordable rates. We encourage you to read our excellent reviews and client testimonials.
Different types of disabilities eligible for a Short-Term or Long-Term Disability benefits claim
Disputing the denial of a disability claim without legal help is extremely difficult. A professional lawyer can navigate you through it without any hassle. Disability claimants backed with legal support have a higher chance of successfully disputing a wrongful denial of disability benefits. Here are some of the types of disabilities that you can apply for to qualify for short-term (STD) or long-term (LTD) disability benefits:
- Chronic Pain
If a recurring pain is bothering you for an extended time and is disturbing you emotionally and/or physically, restricts you from performing your job, or makes you unable to carry on with your work, then you can apply for the STD and/or LTD benefits.
- Depression and Anxiety
Those suffering from depression often lose interest in all activities and enjoyable situations. Common symptoms include feeling a lack of energy, restlessness, and difficulty concentrating. If symptoms are severe, some even have thoughts of committing suicide.
Anxiety makes it difficult for you to concentrate on things. It can get triggered by a traumatic event or by emotional difficulties like stress. Some people also suffer from panic attacks.
Whether you are suffering from depression or anxiety, if the symptoms are severe and restrict you from doing even minor activities like getting out of bed, then you could be eligible for disability benefits. Kotak Law’s Edmonton Disability Lawyers can help explain the process of how to apply for STD or LTD benefits if you suffer from a mental health condition.
- Fibromyalgia
Widespread musculoskeletal pain that accompanies sleep, fatigue, and mood issues, amongst other symptoms, is often a sign of suffering from Fibromyalgia. It is a long-term and chronic health condition causing tenderness and severe pain throughout the body.
Fibromyalgia often triggers secondary symptoms such as depression, anxiety, and other emotional side effects. People suffering from such symptoms often push themselves to work until they reach a breaking point where they can no longer handle working with the severity of their fibromyalgia symptoms.
If you suffer from fibromyalgia, you can apply for disability benefits for this condition. STD and LTD insurance companies often deny disability benefit claims for fibromyalgia as they argue that if you were capable of working with your symptoms then there is no reason you should not be able to continue working. If this sounds familiar to you, contact an Edmonton disability claim lawyer at Kotak Law to discuss your options of how we can help you get the disability benefits to you are entitled to.
- Headaches and Migraines
Severe headaches and migraines restrict you from thinking and working effectively. Sufferers of this condition can remain in pain for two to three days, if not longer. Though the pain starts in the head, the symptoms sometimes spread throughout the body. Mood swings, vision problems, and difficulties with memory, focus, and concentration are some of the common symptoms people suffer from. Despite medical support supporting you suffer from severe headaches and migraines, insurance companies often treat it as an illegitimate reason for an LTD claim. Kotak Law’s Edmonton Disability Lawyers have a wealth of experience in resolving LTD disputes in such circumstances and can help you get the disability benefits you deserve.
Other LTD Ailments
If you are unsure whether your ailment, illness, symptoms or medical condition can be considered a disabling condition that would qualify you to apply for short-term disability or long-term disability benefits, you can contact Kotak Law Disability Lawyers in Edmonton and we can help you discuss your options. Some of the other common STD and LTD conditions are:
- Arthritis
Joint pain, swelling, stiffness, inflammation, and fatigue are some of the symptoms of arthritis. If arthritis symptoms are severe enough to prevent you from working, you may be eligible to make a disability benefits claim.
- Bipolar Disorder
Sudden extreme changes in emotions different from normal behaviors are often considered to be bipolar disorder and this can entitle you to LTD benefits.
- Cancer
People suffering from cancer and undergoing cancer treatment often face a slow recovery which restricts them from working. If you suffer from cancer and cannot work as a result, you are likely eligible for STD and LTD benefits.
- Carpal Tunnel Syndrome
Numbness, weakness, and tingling in arms, fingers, and hands are some of the symptoms of Carpal Tunnel Syndrome. The symptoms can be so serious that it can even cause sleep difficulties, which then results in fatigue during the daytime. Such symptoms can hamper the affected person’s day-to-day activities and ability to work. If you suffer from this, you can be eligible for disability benefits. Proof of regular treatment is often a requirement and can help with getting a claim approved.
- Heart Disease
Various heart diseases can impact a person’s ability to work. If a claimant can show medical evidence detailing their condition and inability to work, that person could be eligible for STD or LTD benefits.
- Hepatitis C
Serious symptoms of hepatitis C or its treatment can make you disabled from performing your job duties. If you cannot perform the essential duties of your occupation, then you can qualify for long-term disability payments if you have coverage under a private or group insurance plan.
- Irritable Bowel Syndrome (IBS)
Individuals suffering from IBS suffer many challenges as it is an unpredictable illness and has no specific cure. The biggest challenge here is to convince the insurer about the seriousness of the condition and why it prevents you from working. Kotak Law has the expertise and experience in dealing with insurance companies in such cases.
- Kidney Failure
If you are suffering from kidney failure or kidney disease, and your insurer denies your disability claim, seeking help from Kotak Law can help resolve the dispute and get the disability benefits you are entitled to.
- Neurological Disorders
Neurological disorders commonly impact a person’s ability to perform everyday neurological tasks and as such often prevent people from working. If you suffer from a neurological disorder and cannot work, you should apply for disability benefits.
- Stroke
Have you experienced a stroke but your insurer denied your disability claim stating that you are well enough to return to your job or an alternative occupation? If this sounds familiar but you are struggling with post-stroke symptoms and cannot resume your work, then the Kotak Law team can help you fight the insurance company to get you the STD or LTD benefits you deserve.
Canada Pension Plan Disability Benefits
Canada Pension Plan (CPP) Disability Benefits are there to assist you financially when your disability prevents you from working. CPP Disability benefits are offered by the federal government through Service Canada. The majority of LTD benefit policies allow disability benefit insurers to reduce or offset LTD benefits based on any amount you can receive or that you are entitled to receive from CPP Disability benefits. Therefore if you are unable to work you should consider applying for CPP Disability benefits. You are eligible for it if your disability is severe and prolonged (as defined in the legislation) and you have made sufficient contributions to the CPP. If you need assistance with, or if you are denied CPP Disability benefits, contact the lawyers at Kotak Law who can assist you with this claim as well.
How can a disability lawyer create a difference?
Quite often legitimate claims get a denied due to an insurer allegedly having insufficient information or medical evidence to support that you suffer from a total disability or a disabling condition preventing you from working. Sometimes claims are denied due to a failure to provide the required medical documents or because the insurer is relying on an opinion of an internal medical consultant who has determined you are capable of returning to work. Other times claims are denied due to an allegation you suffer from a pre-existing condition which is excluded from coverage. These are just a few examples of why insurance companies deny legitimate STD or LTD claims. If your claim has been denied for one of these reasons or for an entirely different reason, Kotak Law’s disability benefit lawyers in Edmonton are well versed in handling these claims and disputing the wrongful denial of your claim.
Dealing with insurance companies on your own can be very stressful and the paperwork you are required to review and complete can be quite tedious. We have many clients who have told us their medical condition has deteriorated because of the conduct of insurers. This is where Kotak Law can come in and help you. The lawyers at Kotak Law use their extensive experience to help you gather the medical evidence needed to support your claim and vigorously advocate for you to get the benefits you are entitled to. Once you hire Kotak Law, you no longer have to deal with the insurance company because at that point all communication will go through the lawyer.
If your STD or LTD benefit claim is denied, insurance companies also usually offer an option to submit an internal appeal to the insurer. There are strict deadlines to follow if you intend to pursue such an internal appeal. However, internal appeals are typically not successful as insurance companies rarely reverse their decisions. This is why at Kotak Law we do not pursue an internal appeal and instead we start a lawsuit against the insurer. Once litigation is commenced, the insurance company assigns the claim to their litigation department. A lawyer and a litigation specialist then get assigned to your claim. Kotak Law’s lawyers will work you and with the insurance company’s lawyer to help you reach a successful resolution of your STD and/or LTD benefit claim.
