Disability policies in Ontario are often denied by insurance companies. Some policy holders make the mistake of thinking that because they are clients, the insurance company is on their side. In fact, it’s in the interest of the insurance company to avoid paying out claims, so adjusters will try to find reasons to refuse or terminate them.
Short- and long-term disability insurance is designed to replace a percentage of a policyholder’s wages during periods in which he/she is unable to work due to illness or injury. People who find themselves in such a circumstance are often under a considerable amount of stress and financial concerns can add even more worry.
Personal injury lawyers employ various strategies to help those whose claims have been denied. For people whose ability to work has been compromised by illness or injury, consulting an attorney who specializes in this area can be a great help. Also, most injury lawyers work on a contingency basis, so no lawyer’s fees are required until compensation is received.
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Unable to Work Due to Illness or
Injury?
Disability policies in Ontario include short term and long term
policies from a variety of different companies, often purchased through a
workplace. These types of policies are designed to provide workers with a
percentage of their wages while they are unable to work due to illness or
injury.
The Definition of Long Term
Disability Can Encompass Many Conditions
Occasionally, policy holders try to cheat, either by faking a condition
or by continuing to collect LTD payments after a legitimate condition has
improved. Companies must therefore be wary of scammers. On the other hand, the
definition of long term disability can encompass many conditions that are
difficult to prove medically. Mental illness, back pain and fibromyalgia are
examples of conditions that can be debilitating but difficult to document.
Lawyers Have Experience with the
Insurance System
Insurance companies often refuse to honour claims made on these
policies. Long term disability payments can be costly for the companies, so
adjusters work hard to find ways to avoid paying out. Often, a long term
disability claim will end up in a dispute between insurance company and policy holder,
with one side refusing to pay and the other demanding rightful benefits.
A personal injury or disability lawyer can be helpful for those with
legitimate claims that have been denied without cause. These lawyers have
experience with the insurance system; they know what benefits clients may be
eligible for and how to claim them. They may begin by writing a legal letter of
demand or by supplying additional medical information. If neither of those
tactics works, they may decide to launch a lawsuit. Suits are often settled out
of court, but most personal injury lawyers won’t hesitate to take the suit to
trial if necessary.