(Includes: disability claims)
Just because you have a long-term disability policy in place, you are not guaranteed payment of benefits when you are injured. Insurance companies deny or terminate valid long-term disability claims even when individuals have suffered a serious injury and are no longer working.
Long-term disability policies, whether offered by your employer or purchased privately, are generally designed to provide you a certain percentage of your income for a prescribed period of time, beginning from the date you are injured.
The types of injuries covered by long-term disability benefits will depend on your insurance policy. Generally speaking, injuries or medical conditions which prevent an individual from returning to work for an extended period of time tend to be covered. These include arthritis, chronic pain, brain injuries, or injuries resulting from a car accident or a slip and fall accident.
The reasons cited by insurance companies when denying or terminating a long-term disability claim vary. An insurance company may allege that you are able to return to your job or any other job. They may deny your claim based on allegations that you have not provided sufficient medical information, that you had a pre-existing injury, that you did not seek appropriate treatment, or that you did not submit your application on time. The list goes on.
An experienced long-term disability lawyer will not only ensure that your lawsuit against the insurance company succeeds, but will also advise you on your entitlement to arrear payments with interest, and where necessary, a long-term disability lawyer may seek punitive damages against the insurer for unfairly managing your long-term disability claim.
Choosing the best long-term disability lawyer in Toronto can be a challenge. Shemon Law has been the go-to law firm for many. Our success in representing clients has earned the respect of individuals from all walks of life, and our consistent track record continues to attract attention and esteem.
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