Finding A Heart Disease Disability Lawyer
Upon diagnosis of heart disease, many Canadians fear for the worst. Heart disease is a serious condition that requires immediate care and intervention. It is important that upon diagnosis, patients feel supported by the resources they have at hand. Many people consider filing a disability claim for heart disease in order to have the proper medical care and income support during their management period. Disability benefits can be applied for through:
- group benefits and employee insurance policies
- private health insurance / private disability insurance
- provincial disability support programs (ex. In Ontario we have ODSP)
- CPP Disability Benefits
When a claimant applies for heart disease long-term disability, they expect to have a peace of mind - a period of time to medically, physically and emotionally cope with their diagnosis. Unfortunately, many long-term disability claims are denied by insurance companies merely for the purpose of saving the insurance company money. This does not mean that you heart disease claim is wrong or does not fit the requirements for long-term disability; denial is often a tactic used by an insurance company to foster a claimant to not pursue the benefits they are rightfully entitled to. This immediate denial of benefits is wrong and unlawful, and should be pursued by a disability lawyer immediately.
If faced with a denied long-term disability claim for heart disease, we urge you to contact a disability lawyer who has a thorough understanding of the complexities of a heart-disease disability, long-term disability claims, and insurance law. A good disability lawyer will be able to let you know of your legal rights, how they can help you gain the maximum medical and financial benefits from your insurance company, as well as pursue any other sums of money that may be owed to you as a result of a wrongful denial of your heart disease long-term disability claim.
Veteran Disability Lawyer
If you are veteran who has been denied disability and are looking for a veterans disability lawyer, click here for more information. There are certain benefits that are strictly for veterans; a disability lawyer will help you understand the full scope of any financial and medical support you are entitled to.
Heart Disease Long Term Disability Lawyer
If you apply for long-term disability after being diagnosed with heart disease, and your diagnosis is having a detrimental impact on your daily life, you are entitled to long-term disability benefits to help support you in this time of coping and management of your illness. When you are denied that right, it is best to seek help from disability lawyers.
According to the Heart & Stroke Foundation of Canada, the term "Heart disease" refers to when the heart is not working; the term umbrellas over several heart conditions experienced by Canadians everyday. The most common forms of heart disease include:
- coronary heart disease
- heart attack
- congestive heart failure
- congenital heart disease
- valvular heart disease
- cardiac arrest
- heart failure
- atrial fibrillation
Some forms of heart disease are present at birth (such as congenital heart disease), while others develop as individuals age. Most often, claimants have to undergo surgery or other procedures to treat their heart condition, as well as take medication to mediate the disease for the rest of their lives.
Heart disease is one of the leading causes of death in North America and requires immediate medical attention when identified. Stress, due to things such as financial troubles or inability to get the proper care you need, can worsen the disease. For this reason, it is very important that you make sure you get the proper financial and social support, upon diagnosis, so that you are able to make the proper interventions in a timely manner.
Heart disease requires a living adjustment and long-term management, for there is no cure for heart disease and things can become dire for an individual in the blink of an eye. Contact a long-term disability lawyer immediately if you have:
- submitted a heart disease long-term disability claim and you have been rejected by your insurance company
- are in the middle of an appeal process for a denied disability claim relating to heart disease
- are facing reprisal in the workplace as a result of filing a heart disease long-term disability claim
A heart disease long-term disability lawyer will be able to mediate any issues you may be having with your insurance claim, as well as help quicken the process to having your heart disease long term disability claim approved - gaining you access to the benefits and sums of money that are rightfully owed to you.
It is important to remember that insurance companies are interested in saving themselves money and not shelling out the benefits which are rightfully owed to claimants with legitimate medical conditions. Our disability lawyers understand the inner workings of insurance companies and know how to navigate the claims process once a claim has been denied. You do not need to expose yourself to any more stress; we will assume all responsibility in communicating with your insurance company to get your claim approved.
For more information on heart disease recovery and support, click here.
Heart Disease Disability Lawyer for CPP Benefits
The Canada Pension Plan (CPP) offers disability benefits to people who have made enough contributions to their CPP and have become disabled and unable to receive a form of regular income as result of their disability. If you have submitted a heart disease disability claim through CPP Benefits (Canada Pension Plan) , you should be approved for long-term disability. Common reasons that CPP claims are denied include:
- incomplete filing of CPP claim forms
- missed filing deadlines
- insufficient submission of documentation (ex. medical documents) to support benefit approval
- questionable claim and credibility of application
Since CPP is provided through a federal government disability program, there are strict rules and regulations, filing processes and appeal processes that are to be followed by claimants. If you have received a denied heart disability CPP claim, it is in your best interest to consult with a disability lawyer about how you can appeal this decision.
CPP Disability Appeal
When your CPP disability claim for heart disease has been denied, it can be very daunting. We understand that applying through a federal framework and dealing with the appeal process can be overwhelming. Our disability lawyers are well versed in handling denied CPP claims, as well as the CPP disability appeal process.
A decision to deny your claim is not final. You have three levels of appeal through the General Division for any CPP decision.
- You must first request a reconsideration of your CPP claim. This process can take 90 days for a full review
- If you are still denied CPP disability benefits for heart disease, after a reconsideration, your must elevate your appeal and bring it forth to the Social Security Tribunal
- The third level of appeal is conducted through the Tribunal's Appeal Division and requires strict adherence to filing time-lines and technicalities
Heart Disease Disability Appeal Lawyers
We urge you to contact a disability lawyer as soon as you receive a denied CPP claim for any disability. It is important to go forth with an appeal and obtain help from a professional and knowledgeable disability lawyer to keep your application active. PW Lawyers has a team of CPP experts who have a strong approach to CPP appeals. We can offer legal advice and take on a denied CPP disability case during any level of the appeal process. To read more about denied CPP disability benefits, please click here.
How to Appeal a Disability Claim for Heart Disease
The majority of long-term disability claims are denied by insurance company's due to unjust reasons. An initial denial of a claim is a tactic used by insurance company's to scare away claimants from accessing financial benefits which they are rightfully owed. An insurance company offering long-term disability benefits will incur financial loss every time they approve a claim, therefore they work hard at convincing claimants not to pursue their benefits (through such things as immediate denial and convoluted claims processes).
Do not let this scare you or make you feel defeated. Our legal firm has a thorough understanding of insurance company tactics and the laws that protect claimants from wrongful denial of benefits. If you are facing a denied disability claim for heart disease, it is important you appeal your long-term disability insurance's decision. Click here to learn how to appeal a disability claim that has been denied for heart disease.
How Much Is a Disability Lawyer for Heart Disease?
Our disability lawyers work on a contingency fee basis. This means that our clients do not have to pay for our legal services unless their case is won. We pride ourselves in offering our clients a contingency fee structure that provides them with financial security and case reassurance. We work with:
- ZERO retainers
- NO hidden fees
- NO ongoing payments
- NO immediate out of pocket expenses
Some disability lawyers wrongfully "double dip" by adding certain costs to the final payment owed to them after a case has won. These law firms want to take more funds than they are entitled to from a claimants awarded amount. Our firm has a strict policy against "double dipping" and we offer full fee disclosure. The Upper Canada Law Society has praised our fee structure and claims that it is "one of the best [they've] seen".
Be sure to ask as many questions and express any concerns you may have when potentially teaming up with a disability lawyer for your denied heart disease disability claim.
Free Consultation with a Heart Disease Disability Lawyer
Contact us today for a free consultation; you will speak with a disability lawyer who has a thorough understanding of insurance law and can help shed light on the possible legal avenues you can take your case. We work hard to get our clients the maximum benefit and sums of money owed to them as a result of a denied disability claim. We have successfully represented many long-term disability claims that have been wrongfully denied; contact us today, PW Lawyers is always there for you.