Mental and physical diseases can have a major impact on an individual’s employment conditions. There are illnesses, including those that are categorized as invisible, that cause an employee to be away from work for a long period of time. If a cure is not administered correctly, there are chances of extended treatment and this takes a toll on ones finances.
One way to get by is to file a disability claim. However, if you have been rejected by your insurance company, you need a more systematic way to file for reconsideration. Hiring a Toronto disability lawyer is one way of doing this.
If you are considering hiring one, this is a good place to start. It is essential to know all the facts about hiring a lawyer and how to get the right one to do the job. The very first step you need to do is to educate yourself about disability claim denial appeals and how to go about them.
Where to start?
First wait for a letter of denial from your insurance company to get an official record of the rejection. The day you receive the letter will be the start of the countdown of the time limit for you to submit an appeal. This is why it is crucial to get an attorney for disability as soon as possible since you have limited time.
In order to do a proper search, keep the radius to a minimum. Ideally, you need to find people within your city or province. This is beneficial for many reasons, but the most important fact is that you can keep in touch easily since they are just in town. A disability benefits attorney candidate can be searched online by typing the keywords “disability attorney near me”. Search engines today have their own location tracking capabilities that will automatically fill out your location as you type.
In terms of payment, normally, private disability claims attorneys base their fees on contingency, which means the legal fees are compensated once a settlement occurs. Once you have a lawyer in mind, you can inquire about their payments schemes and possibly ask for minor alterations depending on your financial capability. This payment scheme is very popular among clients who are trying to receive benefits from their insurance claims because the responsibility to pay greatly depends on the success of the case. To put it simply, you pay only if you win the case and receive compensation.
Attorney disability insurance claims can sometimes end up a little less than you expect. This usually happens when there are many deductions involved. It is because of this possibility that the contingency fees are calculated based on percentage and not amount. If for some reason the client receives very little and the fixed fees on the contract are high, there will be debt to pay. Since a disability attorney understands that the client is in unfavorable financial condition, the fees might be cancelled under their discretion.
3 Things to Keep in Mind When Denied
- The best time to contact a disability lawyer is before you leave work or file any kind of request. You need to get advice from someone who understands your policy first, so you know the do’s and don’ts. Leaving work in an untimely manner might affect your eligibility to receive benefits from your policy, so make sure that your actions are within the allowable limits. The best way to ensure you know these is to have a disabled attorney to interpret your policy for you.
- Since you are getting a lawyer, do not worry about the reactions of your insurance company and employer. Act like it is a natural thing to do. Some believe that getting a lawyer is a sign that they are guilty, but it is not! The act of getting one actually proves that you are serious about your complaints regarding the denial, and you are prepared to fight for your rights to receive the benefits.
- Do not even think about representing yourself even if it looks like an easy job to do. Remember that you only got so far because the lawyer explained and guided you. If you simply make any actions that might jeopardize the success of the case, it also affects the lawyer’s reputation. If you want to win the case, make sure that you trust in your lawyer and give the support he/she needs.
Be extra patient.
One final word of advice, be patient. Once you file a claim, it takes a while for the officers to process it due to a large number of applications submitted daily. The same time lag will happen when you file an appeal. The case process will take time and you need to be prepared to do examinations and interviews when needed. Apart from this, you need to be financially settled in terms of your daily necessities until the case reaches a conclusion.