Security of Long Term Disability Insurance
If you are paying premiums for disability insurance (short-term disability insurance or long-term disability insurance), or are receiving disability benefits through your terms of employment, you have access to a financial safety net that is there to help you if you incur a sudden illness or injury. Long-term disability insurance is there to provide you with income replacement and funds to help pay for any medical costs you may face as a result of a sudden disability. Long-term disability benefits are put in place to make sure you and your family have the proper social and financial security needed during this stressful time.
Unfortunately, when one needs to rely on their disability insurance for support during a time of long-term disability, many are faced with the daunting reality of a denied disability insurance claim. What this means is that many claimants who have submitted a long-term disability claim receive a denied claim and rejection of benefits from their insurer; leaving them feel helpless and unsure of what options they have at this time. Do not give up hope or feel discouraged if you have received a denied long-term disability claim; the denial of a claim is often a tactic used by insurance companies to dissuade valid disability claims, ultimately to save money for the insurance company. One must not forget that insurance companies are businesses that approach an individual’s policy and claims with an interest solely in profit.
If you have received a denied long-term disability claim, and have followed all the mandatory filing processes and deadlines/timelines imposed by the claims process of your disability insurance company, speak with a disability lawyer as soon as possible. A long-term disability insurance lawyer will be able to get you the the full worth of your long term disability insurance policy and benefits, as well as legally pursue an insurance company for wrongfully denying your long-term disability claim and causing undue hardship.
Child Disability Lawyer
If you child has become suddenly disability due to an injury or illness that was caused by 3rd party negligence, (such as in the presence of a caregiver, car accident or when attending school or daycare), you need to speak to a child disability lawyer immediately. Caring for a child who is facing a long-term mental or physical disability can be extremely hard for parents and the entire family. A child disability lawyer can help represent your child’s disability case, allowing you to focus on their wellbeing and the social and financial stability of your family.
If you have been denied disability benefits for your child, a disability lawyer who understands the complexity of child disability claims will be able to pursue damages and all sums of money owed to you at this time. If your insurance company has denied you leave to act as a caregiver for your child, speak to one of our disability insurance lawyers immediately.
How Much Does a Disability Lawyer Cost?
It is important you team up with an experienced long term disability lawyer who understands the required evidence and legal stance needed to successfully represent your denied disability claim. You need to have a lawyer who is conscious of all the deadlines imposed by an insurance appeal process or opening of a lawsuit against your insurer, is able to negotiate with the insurance company on your behalf (alleviating any stress from the situation), and is mindful of your overall social and financial wellbeing for the duration of your case.
It is a known fact that insurance companies treat denied claims represented by lawyers a lot differently than unrepresented claims. Denied long-term disability claims, represented by a lawyer, become a priority because your claim poses a financial and legal threat to the insurance company; your claim will be processed more quickly and access to benefits granted with more ease.
Disability Lawyers will collect a portion of the settlement awarded in the winning of your case (this is a contingency fee structure). Contingency fee agreements allow disabled individuals to get quality legal representation, while enabling disability lawyers to work without charging their clients up-front. TSF Law does not ask clients to provide a retainer, nor do we impose ongoing payments throughout the duration of your case. To learn more about our fee structure, and how our long-term disability lawyers are paid, please click here.
TSF Law’ fee structure is based on one of best and acclaimed free structures seen by the Upper Canada Law Society.
It is important to our firm that we offer reasonable, respectful and fair expense agreements to our clients. If you have any questions or concerns regarding our disability lawyer costs, please feel free to contact our firm directly.
Need A Disability Lawyer ?
Teaming up with a long-term disability lawyer can be significantly beneficial to a claimant who is facing a denied disability claim (whether be for a denied short-term disability claim or a denied long-term disability claim).
How can a Long Term Disability Lawyer Help Me?
- Filing and completion of denied claim reconsideration requests for your disability benefits
- Writing and arrangement of a strong appeal letter, with a thorough overview of your insurance policy
- Collection of needed expert testimony, medical evidence (including medical records), and other important evidence that may be required to win your case
- Correspondence with doctors and other medical providers
- Adequate handling of any “bad facts” associated with your claim, that may harm your case (ex. failure to consistently follow a medical treatment plan)
- Full legal representation during any stage of an insurance appeal that may be brought before an administrative judge / court setting
- Cross-examination of any vocational expert brought into the case or any other “expert” who may provide a negative testimony
- Properly address any legal technicalities presented by an appeal process, administrative law judge, the insurance company, etc.
- A reduction in the amount of time, energy and money you may lose a result of a denied long-term disability claim or pursuing an appeal process as a result of a denied disability claim
- Full legal representation with consideration of your disability rights, insurance laws and accountability for undue hardship
- Seek any other sums of money you may be entitled to as a result of your denied disability claim
Free Consultation With a Disability Lawyer
TSF Law offers free consultation with our top disability lawyers- experienced and dedicated professionals who have a thorough understanding of your disability rights, insurance laws, and the insurance claims process for disability claims. To maximize the value of your free consultation, we suggest you provide as much information as you can regarding your illness or injury, as well as the claims process you have gone through thus far. Our long-term disability experts will be able to thoroughly review your case and provide the best legal advice and guidance at this time.
We urge you to also ask any questions and bring up any concerns you may have during your free consultation; it is important that our clients and those we consult with feel secure in their decisions and understand the types of support we are willing to provide at this time.
To set up an appointment for a free consultation with a disability lawyer, please fill out an online contact form or call our firm directly. TSF Law is always there for you.