What are the common reasons Industrial Alliance gives for denying long-term disability claims in Alberta?
One common reason Industrial Alliance may deny long-term disability claims in Alberta is the lack of sufficient medical evidence. Insurers often require comprehensive documentation from healthcare providers to substantiate the severity and duration of a claimant’s disability. If the provided medical records are deemed inadequate or inconclusive, the claim may be denied.
Another reason for denial is the assertion that the claimant does not meet the policy’s definition of ‘disability.’ Insurance policies often have specific criteria that must be met for a condition to qualify as disabling. If Industrial Alliance determines that the claimant’s condition does not align with these criteria, the claim may be rejected.
Industrial Alliance may also deny claims based on the argument that the claimant can still perform some form of work. Even if the claimant cannot return to their previous job, the insurer might argue that they are capable of engaging in other types of employment, thereby disqualifying them from receiving long-term disability benefits after two years.
Pre-existing conditions can be another ground for denial. If Industrial Alliance finds that the disability is related to a condition that existed before the policy was in effect, they may deny the claim on the basis that the condition was not covered under the terms of the policy.
Failure to follow prescribed treatment plans is another reason for denial. If a claimant does not adhere to the recommended medical treatments or therapies, Industrial Alliance may argue that the claimant is not making reasonable efforts to mitigate their disability, leading to a denial of benefits.
Industrial Alliance might also deny claims due to inconsistencies in the claimant’s application or medical records. Discrepancies between what the claimant reports and what is documented by healthcare providers can raise red flags and result in a denial.
Lastly, missed deadlines or incomplete paperwork can lead to a denial. The claims process involves strict timelines and detailed documentation. Any failure to submit required forms or meet deadlines can result in the claim being denied by Industrial Alliance.
How has Kotak Law successfully helped clients overturn denied long-term disability claims?
Kotak Law has a track record of successfully helping clients overturn denied long-term disability claims through their deep understanding of insurance law and their meticulous approach to case preparation. They begin by thoroughly reviewing the client’s policy and the reasons provided by Industrial Alliance for the denial. This allows them to identify any inconsistencies or errors in the insurer’s decision-making process.
One of the key strategies employed by Kotak Law is gathering comprehensive medical evidence to support the client’s claim. They work closely with healthcare providers to obtain detailed medical reports, expert opinions, and any other relevant documentation that clearly demonstrates the client’s inability to work due to their disability. This robust evidence is crucial in challenging the insurer’s denial.
Our Lawyers also excels in negotiating with insurance companies. Their experienced attorneys understand the tactics used by insurers to minimize payouts and are skilled in countering these strategies. They engage in direct communication with Industrial Alliance, presenting the gathered evidence and making a compelling case for why the denial should be overturned.
In cases where negotiations do not lead to a favorable outcome, Kotak Law is prepared to take the matter to court. Their litigation team is experienced in representing clients in disability claim disputes and has a strong track record of achieving successful results. They meticulously prepare ensuring that all aspects of the case are thoroughly covered and presenting a strong argument on behalf of the client.
Additionally, Kotak Law provides personalized support to their clients throughout the entire process. They understand the emotional and financial stress that comes with a denied disability claim and offer compassionate guidance and clear communication. This client-centred approach helps to alleviate some of the burdens faced by individuals dealing with long-term disability claims.
By combining legal expertise, strategic negotiation, and a commitment to client advocacy, Kotak Law has been able to overturn numerous denied long-term disability claims. Their comprehensive approach ensures that clients receive the benefits they are entitled to, providing them with the financial support needed during challenging times.
Kotak Law’s commitment to personalized service sets them apart. They take the time to understand each client’s unique situation and tailor their legal strategy accordingly. This individualized approach increases the likelihood of a successful outcome, as it allows the legal team to address specific issues and challenges that may arise in each case.
If your long-term disability claim has been denied or terminated for any reason contact the lawyers at Kotak Law today for a free consultation.
