Insurance companies wrongfully deny disability claims every day. Our Toronto long-term disability lawyers help you win payments by telling your best story. So you can regain financial security. Silence the doubters. And get back to focusing on what you enjoy, rather than this disability claim.
Table of contents
- Problems we can solve
- When is it the right time to hire a Toronto long-term disability lawyer?
- How our Toronto long-term disability lawyers can help you
- Common reasons for denial of long-term disability. benefits
- How to appeal a denial of long-term disability
- Frequently Asked Questions about Toronto Disability lawyers
Problems we can solve
We know how difficult things are for you right now. It is exhausting have your entire life revolve around the insurance company. To have people question your honesty. That is why we focus on early intervention and speed of results. Our goal is to get your claim approved faster, so you can regain your financial security. Hold the insurance company accountable. And get back to focusing on your life, and things you enjoy, rather than this insurance claim.
We can help if you are in any of the following situations:
- You are still working but will need to take a sick leave in the near future
- You need to transition from short-term disability to long-term disability
- You are appealing a short-term disability denial and have been told you can’t apply for long-term disability
- Your are getting long-term disability benefits, but are worried the insurance company will cut off payments
- You got a letter saying the insurance company will reassess your claim at the two-year change of definition date
- You got a letter saying your long-term disability benefits will stop at some future date
- Your benefits were denied or stopped and you need to appeal
- You have already appealed one or more times and been denied
Get started today by requesting a free consultation
Educate yourself before you go any further with your disability claim. We will review your situation and help you develop a plan for success.
1. Schedule a free consultation
2. Allow us to create a plan
3. Execute the plan or hire us to do it
4. Get disability payments
When is it the right time to hire a Toronto long-term disability lawyer?
You may wonder when is the right time for you to work with one of our Toronto long-term disability lawyers. There is no one right answer. It will depend on your situation. We represent people at all stages of the long-term disability claim. From the initial application to appeals. Our lawyers help you maximize your chances of success. This results in earlier approval of benefits because you mistakes that lead to delays and denials.
Consider the following factors when deciding when is the right time to hire a lawyer:
1. How high are the stakes?
The higher the stakes, the earlier you should involve us in your case.How important is it that the insurance company approve your benefits quickly? Can you afford a delay of several months to try it on your own? If you can afford delays, then go ahead and do the application or appeal on your own. However, if delays would be financially devastating, then you should involve us as early as possible.
2. Was your short-term disability claim denied?
If your short-term disability claim was denied, then you will likely want to involve in appealing that decision and helping you apply for long-term disability benefits. Without a lawyer, it is almost impossible for you to get approved for long-term disability, while appealing a your short-term disability claim denial. Unfortunately, this situation is where represented people make many mistakes and miss important deadlines. You should contact us immediately if you have been trying to get short-term disability benefits for more than 17 weeks and have not applied for long-term disability benefits.
3. Have you already appealed on your own and been denied?
If your first appeal was already unsuccessful, you should consult us immediately before doing your second appeal. The insurance company has now denied. your claim at least twice. So, there is a critical flaw in how you are presenting your case to them. We can review your claim and identify the “real” reasons for why they are denying your benefits. Once you know the real reasons, you can put a plan in place to fix those problems.
How our Toronto long-term disability lawyers can help you
Our Toronto long-term disability lawyers help people who need to win long-term disability benefits. When you hire us, here are some of the things we do:
- get a complete copy of the insurance company’s claim file
- get a copy of your long-term disability insurance policy or benefits booklet
- identify other disability benefits you may qualify for
- get copies of important medical files and other records
- analyze the insurance company’s claim file to identify the “real” reasons they denied your claim
- identify the “red flags” from the perspective of the insurance company or other key decision-makers about your claim
- identify the gaps in evidence needed to tell your best story
- appeal the denial of your claim
- communicate with the insurance company
- negotiate a one-time lump sum settlement of your case
Common reasons for denial of long-term disability. benefits
There are many reasons why your insurance company may deny your claim. Usually, the insurance company will tell you the reasons for denial in a letter. Common reasons for denial include:
- your application and medical documents don’t support a serious disability
- your treatment is not consistent with having a serious disability
- you refused to do the recommended treatment
- you can’t do your own job, but there are other jobs you can do
- the deadline to apply has already passed
- you have a pre-existing condition
The first thing to know is that the reasons the insurance company gives you may not be the “real” reasons. In fact, we call these the “unofficial reasons” for denial. These might include things like the following:
- the insurance company believes you are too young to get disability benefits
- they believe you left work because you don’t like your job
- they believe you want to use the disability benefits to “retire” early
- you have an invisible illness and your disability can’t be objectively measured
- they have spend a lot of money to get evidence to support denying your claim
Just because the insurance company gives a reason for denying your claim, does not make it true. Sometimes you can overcome these reasons by getting new medical information, or by having your doctor clarify your diagnosis, treatment, or impairment. Let us review your situation and identify a plan for success.
How to appeal a denial of long-term disability
You appeal a denial of long-term disability benefits by notifying the insurance company you plan to appeal. Next, you gather new information to support your appeal. Then you prepare an appeal letter and attach the new information. The insurance company will then review your appeal letter and new information and make a decision to approve or deny your claim.
There are two levels of appeal: Internal appeals and external appeals. Internal appeals are the first step. These appeals are done directly with the insurance company. We described this process in the previous section. You can do 2-3 internal appeals before they will refuse to allow more appeals. These appeals are called “internal” because they are done directly with the insurance company. They handle the appeals internally using their own employees as decision-makers.
External appeals are the second level of appeal. These appeals are different because they involve an independent decision-maker. This independent decision-maker will be a judge or hearing officer. Either way, the decision-maker is not employed by the insurance company. Also, external appeals have their own rules and procedures that are not controlled by the insurance company.
You may struggle with deciding when to leave the internal appeals for the external appeal. For example, do you do a second or third internal appeal, or skip them and move to the external appeal. There is no one right answer, as it will always depend on your situation.
Frequently Asked Questions about Toronto Disability lawyers
Why work with Resolute Legal’s Toronto long-term disability lawyers?
We focus exclusively on disability claims and appeals. In addition to your long-term disability claim, we can represent you in claims for short-term disability, CPP disability, the disability tax credit or employment-related problems. This means you won’t have to fend for yourself, or try to find other lawyers or representatives to help with all of your issues.
You only pay us if we win. There are no up-front payments and we pay any expenses related to the case. You only pay us for legal fees and expenses if we are successful in winning your claim and getting money paid to you.
Some law firms focus on helping when you need to file a lawsuit. We help you at all stages of your claim, including the initial application, internal appeals, lawsuits and even after you are approved. We believe in early intervention, so you can avoid denials and minimize delays in payments.
Our founder, David Brannen, is a former occupational therapist and author of The Beginner’s Guide to Disability Insurance Claims in Canada. He also create The Story Alignment Method™, which is the process we have used to achieve over a 90% success rate across all disability claims. Please note, we can’t guarantee a 90% success rate if you hire us. Past results don’t predict future results.
Finally we offer a 100% Satisfaction Guarantee and Fair Fee Guarantee. Our satisfaction guarantee allows you to walk away in the first 45 days with no charges or questions asked. This way you don’t have to worry about making the wrong hiring decision. Our Fair Fee Guarantee gives you peace of mind that we will never over charge you for work done on your case.
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