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Long Term Disability Lawyers
Long Term Disability Denials
Have you been denied benefits for your disability?
Insurance companies are in the business of making money. It is in their interest to claim that you are not disabled. If your disability claim is denied, it is our job to determine why, help you to understand what has gone wrong and find a way to resolve the problem if possible.
All insurance policies have some general characteristics in common, but they are very different in terms of what they insure and what they consider disability. Each policy, each case, and each injury and disability are unique.
If you are denied insurance for any reason, come to us. We may be able to help.
What Happened? Making Sense Of Your Insurance Denial.
Our lawyer can help you understand the different reasons given for general disability denials, including:
- Evidence against disability:
Sometimes, this evidence comes from you. You may have filled out forms that say that you are still able to do sedentary work, or given medical evidence that says you have some range of movement. Sometimes, this evidence comes from photographs posted on Facebook or other social media, showing you swimming with your children despite saying that you are unable to move without pain. Sometimes, the evidence comes from surveillance by the insurance company. We can help deal with that evidence — for example, by showing that being able to swim is very different from being able to stand at a cash register for hours at a time.
- Mitigation: It is your responsibility to do what you can to improve your situation. Your insurance company may claim that you have not worked hard enough in physiotherapy, or that you have not looked hard enough for work, or that you are not willing to accept work that is slightly different from your previous job, but still possible in your condition. We can help show what you have done to mitigate your situation.
- Lack of communication or documentation: The problem may be as simple as neglecting to communicate appropriately with the insurance company, providing proof of your health or your attempts to get a job. Documentation requirements can sometimes be confusing. We can help you communicate appropriately in order to maintain your benefits.
Contact Blackacre Law
Don't accept the denial of your benefits before calling our long term disability lawyers.
Contact us at 647-556-5888 to set up an appointment.
We serve clients in Markham, Richmond Hill, Thornhill and throughout the Greater Toronto Area.