Disability insurance provides an easy, affordable way to get income protection when you become ill or injured. Under this notion, you should receive a monthly benefit if you are unable to work because of a disabling physical or psychological condition. Unfortunately, the reality of obtaining disability benefits is not that straightforward.
Employees are often denied or completely severed from receiving benefits before being physically or mentally ready to return to work. If you become disabled, you will have to meet certain conditions. Your policy specifies what they are, but satisfying these requirements can be a difficult task.
The Vancouver disability lawyers at Preszler Law regularly handle claims involving a vast array of disabling medical conditions. Conditions such as fibromyalgia, chronic fatigue syndrome, depression, spinal injuries, back injuries, head injuries, neck injuries, chronic pain, and many other health issues may make you eligible for a disability claim.
Dealing with insurance companies can be complicated and stressful. If you do not know the law, you may make a mistake that could hurt your claim. At Preszler Law, we take the stress out of the equation by dealing with the insurance company on your behalf.
When you come to Preszler Law, we immediately review your disability insurance policy to determine your obligations to the insurance company and vice versa.
Your policy will specify what the term “disability” means. Under some policies, the term disability or disabled means that you are unable to perform any work, not just your job. For example, if you are a welder and broke your fingers, you will not be able to perform your work duties. Therefore, your policy should not deny your claim provided the definition of disability means the inability to perform your job. Your lawyer will read the fine print of your insurance policy to see how it defines disability in the agreement.
You will also need to document your condition with a medical opinion from a licensed health care provider which says that you are not only disabled but that your disability prevents you from performing the type of work that falls within the insurance policy’s definition of disabled. This task can be extremely complicated and time-consuming.
At Preszler Law, we can help you gather evidence to support your claim properly. We work with your doctors to ensure they are providing the insurance company the information it needs to start paying you disability benefits. And if you do not have a physician you trust, we will connect you with some of the best doctors in BC to write reports explaining what your disabilities are and how they affect your ability to work. It is our job get you the benefits you deserve.
There are statute of limitations in British Columbia so it is best that you speak to a lawyer to identify the correct limitation period. You should be aware of every deadline associated with your claim as missing one could derail your claim permanently. Our lawyers have substantial experience with the disability claims process. We will help you navigate the system and ensure you do not miss any crucial deadlines along the way.
An insurance company might deny a disability claim on several different grounds:
Whatever the case, a denial does not mean your case is over. If the insurance company denied your claim, talk to Preszler Law in Vancouver about appealing the denial. We will compile the evidence and medical records necessary to help you prove you meet the definition of “disability” in your policy.
At Preszler Law in Vancouver, we are sensitive to our clients’ financial situations. For this reason, we offer a free, initial consultation. Also, we do not require our clients to pay any upfront fees our services. We only get paid if we win your case.
Our firm’s approach is client-centered. We are diligent about keeping our clients in the loop about their cases. When you want an update or have a question, call us. You will always speak with your lawyer directly. If s/he is not available to take your call at the moment, your lawyer will call you back in a prompt, personal manner.
Call 1-844-373-8202 today to schedule a no-cost, no-obligation case review.