Long Term Disability: Client Education

Did you know that more than 30% of Auto Insurance Claims are denied in Ontario?
We’re still not sure how many health insurance claims are denied, but every time our firm is faced with representing a long term disability claim, our understanding of insurance companies deepens. The system for denying a claim to a beneficiary is tough to face.

How to Approach a Denied Insurance Claim & Long Term Disability Claim

If the insurance company wanted to take a proactive solution, a possibility would be to engage with the government to establish a standard for insurance claims – with the help of a bureau. That is far from reality. We know that in tough times, our clients have tried to get the best help they can. It is our mandate to educate, inform, and litigate on their behalf.
Filing a denied insurance claim with an insurance company is a lengthy, arduous process. However, when you have prior knowledge of the steps that need to be taken in order to win a claim, it is easier to proceed with an insurance appeal. TSF Law and our educational approach will make you feel confident in the steps taken to guarantee a positive outcome.
In order to have your long term disability claim processed in the most efficient manner, we recommend:

  • Be clear and up-front about what you are expecting. A long term disability lawyer will be able to help your claim in the most appropriate and professional way if he or she shares the goals which you express. You should also ask questions about what the lawyer will be able to do for you, in any case.
  • Provide complete information where possible. Do not lie about anything in your claim. If, for whatever reason, the insurance company’s investigation into your long term disability claim is compromised, it may cause you undue stress.
  • Have a good understanding of the insurance policy you are making a claim against. You should read any and all “fine print” in the contract you have signed in your company. This includes terms such as coverage, deductibles, periods, etc.
  • Have your claim filed as soon as possible in order to adhere to time-limits on claims, and to ease your financial burden. Your insurance company will take heed of the claim and you can rest assured that you will be dealt with in a professional manner. This will also ease the pressure of out-of-pocket expenses.
  • You should keep written or electronic communication backed-up in a safe area. You should also take note of who you have talked to at your insurance company. You may be able to win a long term disability case based on false claims the insurance company has made. If you can record conversations over the phone, we encourage you to do so as well.
  • Find out the reason for the denied claim. Because of complex wording, an insurance company will be particular about the verbiage they use in your contract – and may give you an elaborate reason for the denied claim. If you are unclear about the wording in your denied claim, contact us so we may help you.
  • Do not aim for a quick disability claim settlement. Remember, this is a negotiation process based on the future of your life and health. Rushing into this type of deal may not help you in the long run. You should always consult with your lawyer in order to truly understand the outcome you may come to expect from a lump sum.
  • Seek details where possible. If your disability insurance claim is founded on certain clauses, you will need to verify that data through your medical system. Contact your health professionals immediately.
  • Contact us for help. We’re here to educate you and help you get compensated for your long term disability claim.
    At TSF Law, we’re always there for you. Contact us today for more information on how we can help you with your claim.