Courtenay Long Term Disability Lawyer
Many Courtenay residents fighting insurance companies feel as though no one is listening to them. At least 60 percent of the 3.8 million Canadians living with a debilitating disability will suffer a denial the first time around. It’s only after they seek legal representation that insurers start to pay attention. Legitimate disability cases are routinely denied for a variety of reasons – missed deadlines, insufficient medical evidence, failure to follow your physician’s instructions or disagreements over policy specifics. Our Preszler team of Courtenay personal injury lawyers can help you sort through the paperwork and legal loopholes to gain approval, whether it’s your first or your second appeal.
Do You Need A Long-Term Disability Lawyer?
Preszler Injury Lawyers is a personal injury law firm with experience in disability claims. Even if you suffer from a complex illness like fibromyalgia, which is routinely denied, a personal injury lawyer can build a strong case to fight the denial successfully. We provide service to the nearly 26,000 residents of Courtenay from across the pond in Metro Vancouver. If approved, you could be entitled to two-thirds of your regular earnings.
Will You Qualify For Long Term Disability?
Each policy is specific on what will or will not be covered, but any condition that significantly hinders your ability to return to work at your previous capacity can be a reason for disability benefits. Commonly recognized medical conditions include:
- Bipolar disorder
- Back and spinal injuries
- Brain injuries
- Cerebral Palsy
- Chronic Fatigue Syndrome
- Chronic Pain
- Heart Disease
With a free consultation, Courtenay personal injury lawyers will let you know whether you have a valid claim.
What It Takes to Overcome Appeal
There are two pathways to appeal – by working internally through the insurance company process of appeal, or by filing a “cause of action” externally through a neutral third party like a long term disability law firm. No matter which path you choose, you’ll need:
- A copy of your denial letter
- A copy of your insurance policy
- A copy of your insurance company file
Our experts will determine exactly what grounds were used to deny your claim; identify any gaps in the information provided; hire independent experts who support your claim; order vocational expert and functional capacity reports; gather evidence like medical tests and written testimonies; call in witnesses like friends, family, coworkers, and vocational experts to support your claim; clarify how your disability affects your life; and make sure you adhere to the strict timeline for pursuing legal action.
The limitation period clock starts ticking upon denial and continues to count down throughout the appeals process. Contacting a long term disability lawyer from our firm for your initial consultation costs you nothing upfront. We’ll discuss the legal options available to you, the different appeals processes, the validity of your claim, and the likelihood of success. In addition to LTD disability, we can also counsel you on Canadian Pension Plan Disability benefits, ICBC no-fault benefits for car accidents, and personal injury lawsuits as alternative ways of paying for your living expenses while disabled.