The Allstate Insurance Company of Canada is a part of The Allstate Corporation. It is one of the biggest insurance groups in the world that provides all around insurance policies to a diverse group of clients. The insurance company has a full line of automotive and home products offered to Nova Scotia, Quebec, Ontario, Alberta, and New Brunswick. If you have an LTD policy from this company and have been recently denied, you might feel a little lost. However, you don’t need to worry because there are insurance claim lawyers and disability lawyers that specialize in handling cases for Allstate.
Reasons Why the Long Term Disability Repayments Have Been Stopped
Allstate claim lawyers have faced countless cases wherein policy holders have stopped receiving repayments suddenly without due notice. Some actually receive a letter from the company, but there are no specific reasons as to why it was decided. The following are the most common:
- Breaking the conditions of your policy is the main reason why your company stops giving repayments. The top reason for this is not seeing your physician regularly. It is very important for the company to ensure that you really need the money for your condition. If you avoid seeing your doctor against the long term disability Allstate agreement, they will see this as an act of evasion because you might not need one anymore and don’t want the company to find out.
- If your personal injury Allstate claim is too high compared to the premiums you have been paying for the policy, you will be committing a lot of offsets. This means that you are receiving more than what you have been giving, so the company has to cover the difference. This will then continually be deducted from future payments, using up the amount you are entitled to sooner than you think.
- In the case of Allstate term insurance claim, the repayments are usually effective until the given date. This is because the agreement is time-dependent. However, if within the period you have been found out healed or able to support yourself, you void your rights to receiving compensation for living costs.
How to Get A Suitable Long Term Disability Policy
If you are planning on getting an Allstate term life insurance, make sure that you understand their policies first. Ask the officer to draft up a policy for you and get someone knowledgeable to help you understand each item. If you have items you want to change, feel free to ask the officer. If they do not allow customization of their policies, you might have to consider other insurance providers if you really need something tailored.
Once the agreement is finalized, read the terms of the policy again before signing. Clarify your point person for questions and claims. Make sure that they know you are aware of your policy and that you are capable of questioning their actions if needed. By showing the insurance company that you act on your concerns, no matter how trivial, they will less likely give you a hard time with your concerns.
If your insurance claim was denied, contact us today for your free consultation.
You Have the Right to Question the Decision
This means that getting a notice from your insurance company is not the end. If you feel that you are entitled to more repayments, you can make an appeal. This way your insurance company can look over your case and try to reconsider.
You usually have 60 days to make an appeal if you got your Allstate claim denied. The countdown starts after you get the letter. Most start counting from the postage date, but you can argue that you have not received it if it comes to question. If you ever miss to file within the period, you can still try to give it provided that you have a good reason for being late. For instance, you can still be hospitalized or are in poor health. If you have proof, the better.
Also, it is good to note that you can ask for your repayments to continue until a final decision is made about your appeal. If you file it within the first 10 days of receiving the letter that your Allstate life insurance loan claim was denied, you will get a swift response. However, this is a case by case basis because it also depends on how many applications are received at the time of the appeal and the priority level of your case.
If your appeal is still denied and you have gotten payments during the trial, you might need to give back some of the money you received. However, this can be voided if the insurance company determines that you really need the money for living expenses and have no other sources. Again, this will greatly depend on your condition and how your present yourself to the court.
It is also good to consider getting help from lawyers for Allstate claim. They have a good background of the company and has a wide range of experience handling cases against Allstate. Another way of looking at this is that you have someone with the expertise to stand side-by-side against the professionals hired by your insurance provider. This is a good way to keep yourself assured no matter what happens.
