Toronto Disability Lawyer
Whether your disability is expected to be short- or long-term, you deserve to receive all the benefits your policy offers. Get your claim approved for maximum benefits with the help of a disability attorney in Toronto.Disability insurance is supposed to be there for you when a disability prevents you from being able to work and earn an income. Unfortunately, thousands of Canadians have their disability benefits denied every year, often for reasons that either don’t make sense or just aren’t valid. Getting a denial overturned and maximizing your disability benefits is absolutely critical for your future wellbeing. Without the necessary benefits, you’ll still be unable to work and likely won’t have any way to pay the bills and ensure your continued standard of living. A Toronto disability lawyer from the Mirian Law Firm can help you bring your disability claim to a successful conclusion. With over fifteen years of experience, we know how to challenge a disability denial, and we know how to give our clients the best chance at getting the most from their policy.
Short-Term Disability vs. Long-Term DisabilityWhen an injury or disability is going to prevent you from working, it’s important to know what type of claim you need to file. In general, disability claims fall under short term and long term. Short-term disability (STD) claims cover temporary disabilities that you’re expected to recover from in the near future, usually within about four months to one year. In many cases, these types of claims are paid by employers directly, but it’s likely that an insurer will still be involved and advising your employer about whether they should recognize your claim. Long-term disability (LTD) claims, on the other hand, are filed when a disability is expected to last longer than one year. The disability might even be permanent, in which case the disability policy should continue to pay until your reach an age specified in the contract, usually the retirement age of sixty-five. Finally, critical illness claims are filed when someone experiences a sudden and serious ailment, such as a heart attack, cancer, or a stroke, which will prevent the individual from working for a time. These policies often force the person to go through a “survival period” before the insurer will honour the claim.
Reasons for Disability Claim DenialsWhen it comes to commercial insurance companies, it’s important to keep in mind that their goal is making money . . . and that’s pretty much it. In a perfect world, insurers would be there to help people get back on their feet when they become disabled, but the truth is that the insurance company will try to maximize their profit margins by denying every claim they can—including yours. If your disability claim has been denied, a Toronto disability claim attorney from our firm will be able to help you appeal the denial and give you the best chance for ultimately receiving the benefits you’re entitled to. Listed below are just a few of the reasons that insurers commonly use to justify denied claims:
- Technical errors on the disability claim form
- Insurer misinterpreted something in your medical documentation
- Insurer claims that you misrepresented your medical history when first applying for a policy
- Insurer claims that because you can perform an activity (e.g., swimming), you must not actually be disabled