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Lawyers for Denied Long Term Disability Claims
We can Help If an Insurance Company Has Denied Your Claim for Long Term Disability (LTD) Benefits
Call Now For a Free Consultation: 866-234-6093
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Long Term Disability (LTD) Claims Denied
Lawyer for Long Term Disability Denial Claims
We provide comprehensive legal representation for individuals who have been wrongfully denied long term disability benefits in Ontario, Canada. Our team of experienced LTD denial lawyers is dedicated to helping you get the benefits you are entitled to and protecting your rights during the legal process.
When you are unable to work due to a long term disability, the last thing you want to deal with is the added stress of a denied benefits claim. However, this is a common experience for many LTD policyholders in Ontario. Insurance companies are often more concerned with protecting their profits than with providing the benefits that policyholders have paid for.
At our LTD denial law firm, we believe that everyone deserves access to the benefits they are entitled to, and we are here to help you fight for them. We understand the legal process and have extensive knowledge of the insurance industry, which allows us to provide you with the guidance and representation you need to get the benefits you deserve.
Our LTD denial lawyers have a successful track record of handling complex LTD cases and are committed to using their knowledge and experience to help you get the best possible outcome. Whether you have been wrongfully denied benefits, or you need help navigating the legal process, we are here to help.
We take a compassionate and dedicated approach to each case, and we understand that the legal process can be confusing and stressful. Our goal is to make it as easy as possible for you, while ensuring that your rights are protected and that you receive the compensation you deserve.
In addition to our extensive knowledge of the legal process and the insurance industry, our LTD denial law firm is also affiliated with professional organizations, including the Ontario Trial Lawyers Association and the American Association for Justice. These affiliations give us access to the latest information and resources in the field, which allows us to provide you with the most up-to-date and effective representation possible.
If you have been wrongfully denied long term disability benefits in Ontario, we encourage you to reach out to our team of experienced LTD denial lawyers for help. We are here to provide you with the guidance and representation you need to get the benefits you deserve. Contact us today to schedule a Free consultation and learn more about how we can help.
Receiving Long Term Disability (LTD) Benefits
In order to qualify for LTD benefits, you must demonstrate to the LTD provider that you satisfy a ‘test’ that your injuries or disability prevent you from meeting the requirements of your own occupation. It is important to note that in many LTD policies, the test changes after the first 2 years or 104 weeks of receiving LTD benefits. Often, the LTD provider will require you to provide additional medical documentation to support the position that your ongoing injury/disability prevents you from meeting the requirements of any occupation, for which you are reasonably qualified by education, training or experience or some other similar test. So long as you continue to meet the test, your LTD benefits should pay a replacement income to the age of retirement. It is important to note that the wording of these tests are not standardized and, therefore, may vary from insurer to insurer.
Denial of your Long Term Disability (LTD) Benefits
There are a number of reasons why your LTD provider may have denied your benefits. Given that LTD policies are administered by privately owned insurance companies, who are profit-driven, there are times when disputes arise over your eligibility to receive LTD benefits. This can occur even on valid claims, which are frequently denied or delayed.
If your application has been denied, the reason for denial could be for any number of reasons, including an incomplete application or insufficient medical evidence to support your claim.
If your LTD benefits provider has been denying or delaying paying your payments, it is important that you speak to a disability insurance lawyer as to your rights and obligations.
When you are unable to work due to a long term disability, the last thing you want to deal with is the added stress of a denied benefits claim. However, this is a common experience for many LTD policyholders in Ontario. Insurance companies are often more concerned with protecting their profits than with providing the benefits that policyholders have paid for.
At our LTD denial law firm, we believe that everyone deserves access to the benefits they are entitled to, and we are here to help you fight for them. We understand the legal process and have extensive knowledge of the insurance industry, which allows us to provide you with the guidance and representation you need to get the benefits you deserve.
Our LTD denial lawyers have a successful track record of handling complex LTD cases and are committed to using their knowledge and experience to help you get the best possible outcome. Whether you have been wrongfully denied benefits, or you need help navigating the legal process, we are here to help.
We take a compassionate and dedicated approach to each case, and we understand that the legal process can be confusing and stressful. Our goal is to make it as easy as possible for you, while ensuring that your rights are protected and that you receive the compensation you deserve.
In addition to our extensive knowledge of the legal process and the insurance industry, our LTD denial law firm is also affiliated with professional organizations, including the Ontario Trial Lawyers Association and the American Association for Justice. These affiliations give us access to the latest information and resources in the field, which allows us to provide you with the most up-to-date and effective representation possible.
If you have been wrongfully denied long term disability benefits in Ontario, we encourage you to reach out to our team of experienced LTD denial lawyers for help. We are here to provide you with the guidance and representation you need to get the benefits you deserve. Contact us today to schedule a Free consultation and learn more about how we can help.
Receiving Long Term Disability (LTD) Benefits
In order to qualify for LTD benefits, you must demonstrate to the LTD provider that you satisfy a ‘test’ that your injuries or disability prevent you from meeting the requirements of your own occupation. It is important to note that in many LTD policies, the test changes after the first 2 years or 104 weeks of receiving LTD benefits. Often, the LTD provider will require you to provide additional medical documentation to support the position that your ongoing injury/disability prevents you from meeting the requirements of any occupation, for which you are reasonably qualified by education, training or experience or some other similar test. So long as you continue to meet the test, your LTD benefits should pay a replacement income to the age of retirement. It is important to note that the wording of these tests are not standardized and, therefore, may vary from insurer to insurer.
Denial of your Long Term Disability (LTD) Benefits
There are a number of reasons why your LTD provider may have denied your benefits. Given that LTD policies are administered by privately owned insurance companies, who are profit-driven, there are times when disputes arise over your eligibility to receive LTD benefits. This can occur even on valid claims, which are frequently denied or delayed.
If your application has been denied, the reason for denial could be for any number of reasons, including an incomplete application or insufficient medical evidence to support your claim.
If your LTD benefits provider has been denying or delaying paying your payments, it is important that you speak to a disability insurance lawyer as to your rights and obligations.
Long Term Disability Claims
If you believe that your Long Term Disability insurance provider has wrongly terminated or denied benefits, you have a limited time to take action. Many LTD policies have time limits for bringing a lawsuit against the insurance company, and there are also statute of limitations for commencing a lawsuit.
For a free consultation with a lawyer, contact Iacobelli Law Firm.
In recognition that serious injuries commonly result in serious financial hardship, we offer contingency fee retainers, so that you pay no fee unless you win.
For a free consultation with a lawyer, contact Iacobelli Law Firm.
In recognition that serious injuries commonly result in serious financial hardship, we offer contingency fee retainers, so that you pay no fee unless you win.
Contingency Fee Retainers
Expertise in Long Term Disability Claims
Our Lawyers are Experienced in Fighting for Denied Long Term Disability Benefits.
Call us for a Free Consultation
Call us for a Free Consultation
We have recovered millions of dollars for our clients.
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You pay us nothing up front and only pay if we recover money for you.
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We are a recognized leader in our community and serve clients throughout Ontario.
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