Long Term Disability Lawyers
Long Term Disability (LTD) claims are paid out by insurance companies. The language used in their contracts can be incredibly vague and difficult to understand.
Elusiveness in language allows for more opportunity to reject claims based on the way terms are worded. The long term disability lawyers at Haber Lawyers have had years of experience deciphering complicated policy wording to get their clients the disability settlements they deserve.
Even when benefits are paid out, the same complex language can make policy holders believe that they are entitled to less benefits than they had originally anticipated. The result can be fractional payments that don’t quite cover the full costs that a disabled person might bear, and also long delays where payment doesn’t arrive for several months.
Reasons Why Claims Are Denied
Medical evidence is always the key factor in proving your long term disability claim. Disability insurance contracts are not standardized, and the wording varies from insurer to insurer. However, when your claim has been denied, it is usually because you have not provided sufficient medical evidence to prove that you are “totally disabled”. Other times, it is because the insurance company is claiming that your disability falls under some exclusion in the policy. For example, many disability policies exclude work-related injuries.
Complicating matters is the fact that the definition of disability under the policy changes over time. Typically, long term disability policies provide for 2 years of benefits after you become disabled, so long as you are unable to perform the job you had when you became disabled. After 2 years, the definition becomes more stringent, and you must prove that you are unable to be gainfully employed in any occupation.
The Haber team is comprised of several lawyers that can help with disability issues, and they would be happy to fight hard on your behalf to get you what you are entitled to.
How Long Term Disability Lawyers Can Help You With Your Claim
One of the most common ways insurance companies resist the payment of LTD claims is by insisting that you undergo an independent medical examination (IME). IME doctors are not always unbiased, and may declare that the disability sufferer is not as sick as they claim. This can negatively impact future settlement amounts, resulting in lower payouts.
Long term disability lawyers know the ins and outs of the legal system to a far greater extent than those they represent. We will assist you in gathering the medical evidence necessary to prove your claim, and often times rebutting the conclusions of an IME. In matters so important, having an experienced advocate on your side can make all the difference.
Put Your Health In Good Hands
When a disability prevents you from earning a living, getting the right settlement means everything. It means the difference between a life of comfort or endless stress. Fighting for a proper settlement is not a battle you can afford to fight alone. The long-term disability lawyers at Haber Lawyers care about a client’s welfare, and fight hard for victory in every single case. With many locations conveniently located across the Halton area, our professionals will give you a great chance at winning your case.
If you need to long-term disability lawyers today, book a consultation with Haber Lawyers now.