Are you having trouble getting claims from your disability insurance policies? Are you part of a group package given by your company but can’t seem to successfully get any financial assistance? Don’t worry, many are also going through the same situation and the best way to deal with this is by getting a lawyer for disability claim.
About Disability Insurance
To give a brief explanation, disability insurance can be bought privately or received from your company. You can have both as well. It is a type of insurance that covers medical costs for certain types of disabilities an individual might get while working or in another setting. It also covers the lack of salary if the policy holder is determined unable to work for life.
There might be companies that do not offer disability insurance to some employees who have existing disabilities. This should not be the case so you need to speak up if you are one of them. A lawyer for disability discrimination can assist in such matters.
Short-term Disability
The first of the two general types of disability insurance applies to illnesses that have a chance to be cured after a short period of time, but is still detrimental enough to render the policy holder unable to work. Examples of this are fractures, dislocations, crippling wounds, curable diseases and many others.
If your company or employer has led you to believe that short term insurance benefits are privileges, you should know they are not. They are mandatory hiring benefits that you should be eligible for once you provide your services. If the employer has failed to provide this to you, get a lawyer disability lawyer to help you out with the claiming process. It can be very useful when you encounter accidents at work.
Long-term Disability
The other general type pertains to long-term illnesses that may be present for life. This can be a permanent injury to an integral body part, the development of an incurable disease, and similar others. There is more controversy with this type because the money involved in supporting a policy holder can be more than the premiums he’s paid. Insurance companies try to make profits, so cases like these are potentially risky to the business.
In order to counter this, insurance companies have developed a plethora of denial reasons to give their clients. Disability lawyers Toronto have seen so many cases and are very familiar with the strategies. If you want to fight side by side with insurance giants, you need a very good lawyer disability benefits.
Hiring A Lawyer for Disability Appeal
Appeal cases have deadlines. Once you receive your letter, you are given 60 days to submit an appeal for reconsideration. If you are pressed for time and have no idea what to do, seek the help of Toronto disability insurance lawyers.
Once you hire a lawyer for a va disability claim, you should expect the following things to happen:
- You will be asked to provide some documents and information about your problem. This happens even before you meet the lawyer personally. If you managed to book yourself a very in-demand lawyer with a good track record, you will be meeting mostly with the secretary. You will only be meeting the lawyer personally for official interviews and similarly important occasions.
- You will be undergoing further tests and examinations to prove your medical condition. The best way to be prepared is to have everything. In order to ensure all bases are covered, your lawyer will ask you to get more medical records that might greatly impact your case. Make sure that you have funds set aside for such things. If not, politely let your lawyer know about your financial situation and he might have a payment scheme in mind you can take advantage of.
- After looking over your case the first time, the lawyer will meet you to discuss the hiring contract. You should be signing agreements with disability lawyers Toronto. It is very vital to make things official. This plays a huge role if you have doubts about the attorney bailing out in the middle. Read through the agreement carefully before signing it.
- A disability insurance lawyer Toronto may cost reasonable high if he has a very good reputation in the field. If you want the best chances in winning the way, you need to get the best weapons. This means you also need to be prepared to pay the best prices. However, you don’t need to worry about coming up with the money upfront. Most firms nowadays provide a contingency basis scheme wherein you only need to pay if you win the case and are able to get money from your insurance. Once you do, they will deduct a percentage of your proceeds as their service fee. You might also need to pay an amount to cover the additional expenses incurred from other related transactions.
