Denied Disability Claims: When Should You Consider Legal Action?
If your claim for long-term disability in Ontario has been denied, you’re not alone. Many individuals face the frustrating experience of having their claims rejected despite legitimate medical conditions. Understanding the reasons behind denials,, and when legal action is necessary can make all the difference in securing the benefits you deserve. This blog will guide you through these steps and highlight how seeking legal support can strengthen your case.
Common Reasons for Disability Claim Denials
Insurance companies often deny claims for long-term disability in Ontario for various reasons. These can include insufficient medical evidence, where there is a lack of detailed medical records or doctor’s reports supporting your disability. Policy exclusions or limitations may also play a role, as some policies exclude certain conditions or impose time limits on coverage. Failing to comply with prescribed treatment plans is another common reason for denials, as insurers may argue that you haven’t done enough to improve your condition. Additionally, missed deadlines for filing claims can disqualify you, as can disputes over whether your condition meets the insurer’s definition of "disability."
Understanding why your claim was denied is the first step in determining your next move.
When to Consider Legal Action for Denied Disability Claims
Sometimes, despite your best efforts, the initial application for disability doesn’t result in approval. It might be time to take legal action if you encounter unfair denial tactics, such as dismissing valid evidence or acting in bad faith. A lack of communication from the insurance company, including repeated delays or failure to provide clear answers, can also be a red flag. If the policy language is complex or unclear, making it difficult to understand your rights and obligations, legal expertise may be required. Additionally, if your inability to work has caused significant financial strain, legal intervention may be necessary to secure your benefits.
How Can The Lawyers at Aaron Waxman and Associates P.C. Strengthen Your Disability Claim
The experienced disability lawyers at Aaron Waxman and Associates P.C. can strengthen your claim by evaluating your case to determine its strengths and weaknesses and by gathering comprehensive evidence, ensuring all medical, vocational, and financial documentation is included. Our lawyers can handle correspondence with the insurer to prevent missteps or misinterpretations and negotiate settlements to seek a resolution without prolonged litigation if possible.
How Can Aaron Waxman and Associates, P.C. Help?
Navigating the complexities of denied disability claims can be overwhelming, but you don’t have to face it alone. The lawyers at Aaron Waxman and Associates, P.C. are well-versed in handling disability claims in Ontario, including both long-term and short-term disability disputes. Our team is dedicated to ensuring that your rights are protected and your voice is heard.
We provide personalized case evaluations to determine the best course of action and step-by-step guidance.
Conclusion
Dealing with a denied claim for long-term disability in Ontario can be disheartening, but understanding your rights and the steps available to challenge the decision is key. Having the right support makes all the difference;. With the assistance of the lawyers at Aaron Waxman and Associates P.C., you can navigate this challenging process with confidence.
Contact us today at 416-661-4878 or awaxman@awaxmanlaw.ca for a free consultation and take the first step toward securing the benefits you deserve.
We offer a free initial consultation that can be arranged at a date and time of your choosing and at your convenience.
Recent posts from our Knowledge Centre
- This blog is for informational purposes only and is not meant to substitute legal advice. Please read our disclaimer for further information.
- All of our lawyers are licensed by The Law Society of Upper Canada
- Office in Toronto and able to represent people in the province of Ontario
No Upfront Legal Fees
No Bad Questions
Footer
1120 Finch Avenue West, Suite 500
Toronto, ON Canada M3J 3H7