Have you developed a medical condition or disability that makes it difficult, or even impossible, for you to earn a full time living? If so, you may be entitled to disability compensation under an employer-backed insurance policy or a plan that you purchased on the individual market.
Unfortunately, though disabled workers desperately need their full medical and wage-loss benefits without any delay, the big insurance companies are notoriously aggressive when handling these types of claims. Sadly, many claimants struggle to get access to the full and fair benefits that they rightfully deserve.
At Preszler Law, our Kamloops disability lawyers are committed to fighting for the rights and interests of disabled workers in British Columbia. If your short-term or long-term disability claim was declined, please do not hesitate to contact our law office today for immediate assistance with your case.
Perhaps the single biggest mistake that Kamloops long-term disability applicants make is waiting too long to initiate their claim or their appeal. All short-term and long-term disability claims are governed by a strict statute of limitations. The deadlines that you must follow will be listed within your specific insurance policy. Please be aware that these deadlines are far more harsh than many people realize. If you miss a deadline, your claim could be delayed or even rejected.
The best thing that you can do you preserve your legal rights and protect your ability to recover long-term disability compensation is to consult with an aggressive Kamloops disability lawyer as early as possible in the claims process. If you have received a written rejected letter from your insurer, please call a British Columbia disability lawyer today.
1.Keep Your Medical Appointments and Follow Your Doctor’s Orders
To recover long-term disability compensation in Kamloops, you must see a doctor, keep your medical appointments, and follow all of your doctor’s guidance. These are extremely important steps to take. In far too many cases, otherwise valid disability claims are denied because the applicant made avoidable mistakes, including missing appointments and engaging in restricted activities.
2.Make Sure that All of Your Medical Records are Well-Organized
Ultimately, the key to prevailing in a long-term disability case is strong supporting evidence. The most important evidence in your case will be your medical records. It is crucial that all of your medical documents and records are well-organized and properly presented to the insurance company. You want to ensure they have records from the specialists you have seen in addition to your family doctor.
3.Avoid Giving a Statement to the Insurance Company; Get Legal Help First
If the insurance company wants you to give a statement, it means that they need more information about you and your claim. This is not alway a bad thing. Still, insurance adjusters are trained to look for any information that they can use against you to reduce or deny your settlement. Before giving a statement, be sure to consult with a qualified Kamloops long-term disability lawyer.
You do not need to hire a disability lawyer in every case. Sometimes, applicants are able to get all of their benefits without any problems from the insurance company. However, if your disability claim has been delayed, substantially underpaid, or denied, you should speak to a dedicated Kamloops disability lawyer immediately.
Understandably, you are probably frustrated by the complexity of the process and the treatment you have received. At this time, it is imperative that you seek professional legal support. Long-term disability claims can be denied for a wide array of different reasons, including:
When our Kamloops disability lawyers take on your claim, our single focus will be to get you the full long-term disability benefits you are owed as quickly as possible. Sometimes, this can be done without a lawsuit. This is ideal, as a full settlement will result in a much faster resolution to your case. Still, our Kamloops disability lawyers are always ready to file a lawsuit when one is needed to get you compensation. We will take your long-term disability claim to court in order to protect your rights, though trials are rare.
If you or a loved one has had your disability claim denied in Kamloops, British Columbia, you should consult with a lawyer as soon as possible.
To get your free, fully private consultation, please contact us today at 1-844-373-8202. Our Kamloops disability lawyers handle claims and appeals on contingency — if you do not get paid, then we do not get paid.