Have you been unable to work due to a serious injury or illness? If you have already exhausted all of your short-term disability, sick pay, and employment insurance benefits, you may still be eligible for long-term disability. This type of disability insurance is specifically designed to provide individuals with a monthly benefit for several years – typically up to retirement age – when they have sustained a qualifying physical or mental impairment.
Many Surrey residents have long-term disability insurance through their employer. This often creates difficulties. After all, the employer and its insurance company are looking to minimize their potential liability. Consequently, they create strict conditions a disabled employee must meet before he or she can receive any benefits at all.
Attempting to jump through an insurance company’s hoops will only add emotional and financial stress to a person who is already dealing with a debilitating condition. This is where the Surrey disability lawyers at Preszler Law can help. We represent clients throughout British Columbia who find themselves struggling with chronic, long-term health problems in dealing with insurance companies and employers who refuse to pay out disability benefits.
Hiring a lawyer is the last thing many people want to do, especially if they are already struggling to make ends meet while they are unable to work. Contacting a disability lawyer is really the first step towards regaining control of your life. At Preszler Law, our lawyers are here to take the burden of haggling with the insurance company off your back.
Insurance contracts are complex legal documents. Neither the insurance company nor the BC courts will give you the benefit of the doubt just because you do not understand all of the terminology involved. That is why you need a lawyer on your side who understands these types of insurance contracts from the inside-out.
The most common reason an insurer will deny coverage is that they believe the employee is not “disabled” as defined by the policy. Remember, just because you are injured and unable to work in practice, that does not necessarily meet the legal standard for “disabled” specified in your policy.
Even when you have a qualifying disability, you still need to provide adequate medical documentation. No insurance company will take your word for it that you are disabled. You will need to show proof from a licensed health care provider who can certify not just your present condition, but that your ailment meets the policy definition of disability. In some cases you may also need to show proof that you attempted to return to work or find a new job in spite of your condition.
Obviously, this is not a one-day process. At Preszler Law, our lawyers will be there to help you at every step, from finding a qualified doctor who you can trust to making your case to the insurance company. We will make every effort to secure the compensation you are legally entitled to under your long-term disability policy.
Aside from not meeting the policy definition of “disabled,” the other major obstacle most Surrey residents face when dealing with long-term disability insurance is meeting all of the requisite filing deadlines. Insurance companies love to set time-limits on filing claims. If you are even just one day late, they will use that as an excuse to deny disability benefits, even if you otherwise qualify under the policy.
In addition to deadlines for filing claims, there are also strict time-limits set by BC law to file a lawsuit against an insurance company to challenge a denial of benefits. These deadlines are strictly enforced by judges. Given the time that is frequently required to properly prepare a disability case, it is always in your best interest to seek the assistance of a lawyer sooner rather than later.
Perhaps you are still reluctant to hire a lawyer because you fear the additional costs. At Preszler Law, our Surrey disability lawyers understand your situation. That is why we never charge for an initial consultation. Nor will we ever demand any advance payment of fees or costs. We work exclusively on a contingency basis, which means we only get paid if we win your case.
So call Preszler Law at 1-844-373-8202 today to schedule a no-cost, no-obligation review of your long-term disability claim.