Disability Insurance Lawyers: Long Term Claims and Obligations
We’re always there for you.
1-905-940-5554
If you are dealing with a Disability Claim, call the experts at PW Lawyers.
Disability Insurance Lawyers: Long Term Claims and Obligations
We’re always there for you.
Long Term Disability Claim Obligations
There are a number of ethical considerations and obligations lawyers face when representing clients. Disability Insurance Lawyers should:
- Maintain a professional relationship
- Protect and act in the clients’ own interests
- Reveal information for a long term claim client only when truly necessary
Our organization, where possible, may provide our long term claim clients with accommodations, personal support workers, and educational material in order to increase the healthiness, or, overall wellbeing of the individual which we represent. These may depend on the financial costs and administrative burdens relative to the size and liquidity of the firm, the importance of the case, or community resources that may help in aiding the individual without incurring significant financial cost.
If your insurance claim was denied, your benefits have been terminated or need legal advice on your long term disability claim, contact us today for your free consultation .
Long Term Disability Lawyers’ Clients & Applications
Our long term clients have the opportunity to apply for a variety of programs that may increase their wellbeing; programs such as ODSP and CPP can provide income support where applicable. We may encourage you to contact these administrative bureaus to gain a clearer understanding of financial burdens.
Good communication between a disability insurance lawyer and long term claim client is critical to drive rights-driven cases towards a positive outcome, especially long-term disability cases. Certain circumstances are beneficial for our clients to seek large sums of financial assistance as a result of a denied claim. Unless customers have the financial means to pay for such measures, it is a difficult burden; it is near-impossible for individuals with disabilities – they will experience considerable challenges in finding a legal advisor to take their case unless it looks especially worthy from a lawful point of view. Moreover, there are cash-harms, as well as disability insurance lawyers’ charges, included with parties who win. Attorneys, in any case, would be very much encouraged to unmistakably disclose this reality to potential customers before dismissing their cases.
Comparable parallels in counselor-and-customer environments may emerge in Long Term Disability Claims, in which financial gains are the parties’ essential goal. Be that as it may, this may effectiveness since the customer shares, and is dependent upon, the legal advisor’s enthusiasm for seeking cases which bode well fiscally. Be that as it may, customers still may not comprehend why a case is not promising (from a money-related point of view) until the legal counselor clarifies why. Our Long Term Disability Lawyers can help you fight your case and provide insight into your claim
In a sense, this financial point of view is a special case to the previously mentioned rule that the legal counselor ought to permit the Long Term Claims customer to settle on the choice to bring a suit. Unless the customer will pay the legal counselor straightforwardly with expectations of gaining financial harms’ charges and, perhaps, disability insurance lawyers’ expenses later, the legal advisor decides if the case merits seeking after on a possibility premise subsequent to evaluating the chances of being effective and what that achievement is probably going to mean as far as cash to the legal counselor and firm.
At PW Lawyers, as Disability Insurance Lawyers, we’re always there for you. Contact us today for more details in regards to any Long Term Claims.
Long Term Disability insurance policies protect an employee from loss of income in the event that he or she is unable to work due to illness, injury, or accident for a long period of time.
Getting injured is stressful, you can incur physical and financial loss.
We can assist you to make your recovery a smooth transition.
Beware of “over-hyped” credentials, customer reviews, and experience. While we tout our experience, a lawyer for disability benefits should be proud of his success rate. We encourage you to ask about the success rate in your consultation. The best disability lawyer will be up-front with this fact.
What is the ||waiting period||?
A waiting period is the qualifying period the insurance company takes to clarify your policy. This period can range from four months to 52 weeks. However, in some claims, an employee can qualify for early intervention.
An early intervention is when the insurance company gets involved in your claim within a few days of incurring your injury.
What are time limits?
Time limits are the amount of time you have to file your claim. Each and every policy is different. If you occur any delays in your policy, it can change the outcome of your benefits.
What records should I provide?
Your insurance company will request from you a series of documentations for your application. As each insurance company is different, most request the following:
- A physician statement
- Employee’s statement
- Medical information and employer’s statement
*More documents may be required by your insurance company.
What types of disability are covered?
Each coverage varies from policy to policy. Usually, policies cover any type of injury or illness that prevents you from being able to work.
Some policies exclude certain illness and work-related injuries. To find out if your injury or illness is covered, contact us .
What reasons could terminate my Long Term Disability Claim?
There are many reasons you claim may be rejected or terminated.
Below is a list of most common and possible reasons:
- You are the age of 65 or attain the age of 65
- You are in prison
- You are retired or retire during the duration of the claim
- Required documentation was not submitted
- You recover fully
- Refuse to participate in treatment program
- Fails to report for a medical examination
- Start a new job
- Refuse to continue application process
- Death (in some cases your estate can receive a lump sum of your benefits)
My insurance company changed the definition of my disability and now I am no longer eligible to receive my benefits! What does this mean?
Since Long Term Disability is not standardized, your contract can be subjected to change. Usually, policies require that the insurance company pay for your benefits for two years, as long as you are unable to work your previous job. After the two year mark, your insurance company can stop your benefits unless you provide evidence that you are unable to work any job due to your disability.
My insurance company terminated my claim but I am not recovered to go back to work! What do I do?
Document and keep all records of your insurance company telling you about your termination. In many cases, policies require an objective tracking of evidence throughout your claim.
Objective evidence is physical evidence that supports your injury. Such evidence includes doctor visit documentation, test and imaging results, consultation documentation etc..
It is important that if your claim has been terminated and you are not ready to go back to work; you need to keep a paper trail and you will need to seek legal advice. /contact-us/
Does my age matter?
Yes.
The benefit period ends at the age of 65. With some insurance companies, if you are totally disabled at 65, your benefit can extend for 24 months before the age of 75.
You could be eligible for the Canada Pension Plan (CPP) disability benefit. The CPP disability benefit is available to those that have made a contribution to their CPP and who are not able to work regularly due to their disability.
I am part of a union, are the claims different for me?
Yes. Being a unionized worker means you have other factors to consider, compared to a group or individual insurance policy.
If you have a “self-insure” benefits package, you have entered into the Administrative Service Only (ASO) Agreement with the insurance company. This allows the insurance company to act as the administrator of your plan. The insurance company will process and cover all the significant steps in your claim.
When a claim is denied or terminated under “self-insure”, you are eligible under the Collective Bargaining Agreements (CBA) to dispute your termination or denial. This dispute will go through a hearing with the union.
Legal representation is required in these hearings.
My payable income has reduced significantly! Why?
Other sources of income during your claim can reduce the amount of payable income of your benefit. This may be due to direct and indirect offsets.
Below is a list of direct and indirect offsets:
Direct Offsets
-Any income received by the government (Ex. Social Services Ontario Works)
-Benefits programs including Canada Pension Plan (CPP), employee disability benefits, Worker’s Compensation
-Benefits paid under an auto insurance plan
Indirect Offsets
-Retirement benefits linked to any employment
-Canada Pension Plan (CPP) disability pension benefits payable to you by your dependants
-Benefits payable from any association or other group benefit program
-Income from any job or business for profit
Filing for your Long Term Disability claim can be a rigorous and strenuous process. At PW Lawyers, we are able to help you through this process so you receive the care you deserve.
If you have any questions, do not hesitate to call us for a free consultation at (905) 940-5554.