If you have been denied disability benefits, you need to contact an attorney with experience in this type of law. Just because you have been denied benefits, doesn’t mean that you are not entitled to them. Insurance companies do not like to pay claims. Each claim that is paid out means less money in their pocket. It is quite possible that with the assistance of an attorney, you can get the benefits that you are entitled to under your disability policy. An attorney can look at your claim and determine if there is something that can be done to challenge the claim and produce a different outcome.
There are a few common reasons that an insurance company will attempt to deny claims. There are the three areas that are most commonly cited by an insurance company for denial of claims.
You are not disabled
This reason would seem preposterous, but it is routinely given as a reason to deny benefits. It is more common as a denial of short-term disability claims, but there are situations where a long term benefits are denied as well. Even when you are seriously disabled, you may not have documented the disability sufficiently, so that an insurance company will pay the claim. An attorney can help you with this problem.
You are disabled, but not severely
This can be grounds for a denial of both long-term and short-term disability benefits. Usually the disability is documented, and the insurance company is not arguing with the condition. Their position is that the disability is not enough to prevent you from maintaining your current income.
Your insurance application was not truthful
When you first applied for disability insurance, you failed to list one or more conditions, and this misrepresentation intentionally masked preexisting conditions. Your disability stemmed from a health problem that was developing long before you first started paying premiums on your policy. This type of denial is common for long-term disability claims
In most cases, an insurance company will hope that you drop your attempt to get disability benefits and simply go away, and the truth is that many people will do this. However, you should never accept a denial of benefits without first consulting with an attorney with a specialty in this field of law. One example of a long term disability lawyer Toronto area firm is Howie, Sacks and Henry.