Worried about getting your insurance claims rejected while facing a long-term disability? Well, in Canada, 60% of long-term disability insurance claims face rejection as of 2025. This sounds like a death knell to your financial coverage, making everything miserable for your family.
However, with an experienced long-term disability lawyer by your side, you’ll be able to find the appropriate legal support that highlights your rights as a policyholder. They can help you secure your financial support. Their guidance in the application process and representation in appeals and litigation will help you ensure financial security.
In this article, we’ll shed light on how a personal injury lawyer in Markham specializing in long-term disability cases will help you secure the required financial coverage from your insurance company.
Why Getting Benefits for Long-Term Disabilities is Complicated?
Long-term disability benefits are created to provide financial relief when a severe health concern impacts your ability to work. Still, it involves various things that are often complicated and require a thorough understanding.
Usually, these benefits cover over 50-85% of your pre-disability income and go beyond until the age of 65, depending upon rigorous qualification under the strict criteria of your policy.
Plus, the benefits will also be provided when you’re able to prove that you’re “fully disabled,” which is a term denoting your inability to perform your job due to your health concern.
The initial 24 months during the onset of the disability often focus on whether you’re able to perform the duties involved in your occupation. After this period, the focus will be on any occupation that suits your education, experience, and training and may be easier for you to do.
The most complicated nature of these definitions and the implications they may have on your claims make it important to have a long-term and short-term disability lawyer by your side.
Steps Involved in Applying for the Long-Term Disability Claims
While filing for long-term disability claims, you need to understand various detailed and important steps that you should follow to avoid creating problems for your claims, including:
● Documenting Your Disability:
Gathering important documents, such as medical records, tests, and statements from doctors, is extremely essential to prove your disability. To ensure that your claim processes as you desire, it needs to be accurate and complete.
● Precise Completion of Application Forms:
It is extremely important to ensure accuracy while you’re completing the application forms. You need to ensure that every information is precise and complete to avoid facing any potential setback.
● Meeting Deadlines:
From observing waiting periods to submitting required forms on time, it is important to meet deadlines. If you fail to do so, you’ll be denied benefits, which will further increase your level of challenges.
● Seeking Legal Assistance:
A personal injury lawyer in Markham specializing in long-term disabilities have a deeper knowledge about the legal complications surrounding disability claims in Canada.
They can navigate the complicated regulations and statutes regarding disability benefits, facilitate paperwork, and negotiate with your insurance company to protect your rights as a policyholder.
Things That Lead to the Denial of Your Insurance Policy Claims
There are various reasons that can result in denial of your claims. Some of them include:
● Complexity of the Policy:
Insurance policies often involve intricate definitions of “Total Disability,” which is pretty difficult for clients. This is where having legal expertise by your side becomes important, which will help you navigate such complexities and ensure everything aligns with the terms of your policy.
● Unfair Practices:
Insurance companies may terminate or modify policies without prior notice, which may leave you vulnerable. However, with appropriate legal support, you’ll be able to challenge such practices and uphold your rights as a claimant.
● Incomplete Documentation:
If you’re providing insufficient documents, you won’t be able to process your claims. However, consulting a skilled lawyer can be helpful, as they can guide you in this process and ensure that every important document is compiled and presented in an effective way.
● Not Knowing the Parameters Involving Coverage:
Understanding and determining coverage under long-term and short-term disability policies depends on various aspects, ranging from physical disabilities to mental health issues. This makes understanding the coverage criteria extremely important.
● Benefit Entitlements:
Disability benefits provide financial lifeline when you’re incapacitated. This is why you need to adhere to the strict requirements of the policy to access these benefits.
Each disability claim comes with unique challenges that are influenced by particular policy stipulations and individual circumstances. That’s why it is important to understand every intricate detail of the disability law in Canada, along with the language involved in the insurance policy.
Why Hiring a Long-Term Disability Lawyer is Important for Your Insurance Claims?
Enlisting the help of a lawyer specializing in long-term disability claims is important due to the following reasons:
● Guidance and Assistance with the Claim Application Process:
Such lawyers can guide you through the whole application process, helping you collect the necessary documentation, complete forms precisely, and meet the deadlines. Their expertise in such matters can help you ensure a successful claim.
● Collaboration With Medical Experts:
A lawyer specializing in such cases not only compiles documents but also collaborates with your healthcare providers actively to secure medical opinions that are supportive of your insurance claims.
They know the exact queries that reveal the full extent of your limitations, an important aspect that is often overlooked by generic forms offered by insurers.
Furthermore, they can also help you build a strong case from the beginning, lower risks, and avoid errors that can prove costly to your insurance claims. This way, you’ll be able to ensure proper financial support during these tough times.
To Summarize
Having financial coverage while facing long-term disability in your body can be very helpful to a great extent. Not only does it help you ensure financial security, but it will also provide peace of mind.
However, it is only possible to get financial coverage when you have a thorough understanding of everything involved in your insurance policies. For that, you need an experienced lawyer specializing in such cases, who’ll not only help you understand these intricacies but will also offer guidance and support to get your claims processed.