Disability Policies in Ontario

Disability policies in Ontario are often denied by insurance companies. Some policy holders make the mistake of thinking that because they are clients, the insurance company is on their side. In fact, it’s in the interest of the insurance company to avoid paying out claims, so adjusters will try to find reasons to refuse or terminate them.

Short- and long-term disability insurance is designed to replace a percentage of a policyholder’s wages during periods in which he/she is unable to work due to illness or injury. People who find themselves in such a circumstance are often under a considerable amount of stress and financial concerns can add even more worry.

Personal injury lawyers employ various strategies to help those whose claims have been denied. For people whose ability to work has been compromised by illness or injury, consulting an attorney who specializes in this area can be a great help. Also, most injury lawyers work on a contingency basis, so no lawyer’s fees are required until compensation is received.
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Unable to Work Due to Illness or Injury?

Disability policies in Ontario include short term and long term policies from a variety of different companies, often purchased through a workplace. These types of policies are designed to provide workers with a percentage of their wages while they are unable to work due to illness or injury.

The Definition of Long Term Disability Can Encompass Many Conditions

Occasionally, policy holders try to cheat, either by faking a condition or by continuing to collect LTD payments after a legitimate condition has improved. Companies must therefore be wary of scammers. On the other hand, the definition of long term disability can encompass many conditions that are difficult to prove medically. Mental illness, back pain and fibromyalgia are examples of conditions that can be debilitating but difficult to document.

Lawyers Have Experience with the Insurance System

Insurance companies often refuse to honour claims made on these policies. Long term disability payments can be costly for the companies, so adjusters work hard to find ways to avoid paying out. Often, a long term disability claim will end up in a dispute between insurance company and policy holder, with one side refusing to pay and the other demanding rightful benefits.
A personal injury or disability lawyer can be helpful for those with legitimate claims that have been denied without cause. These lawyers have experience with the insurance system; they know what benefits clients may be eligible for and how to claim them. They may begin by writing a legal letter of demand or by supplying additional medical information. If neither of those tactics works, they may decide to launch a lawsuit. Suits are often settled out of court, but most personal injury lawyers won’t hesitate to take the suit to trial if necessary.

Personal Injury Lawyers Expereinced With Disability Policies in Ontario

Personal Injury Lawyers Expereinced With Disability Policies in Ontario