What 3 Questions Does a Disability Insurance Lawyer Ask at a First Meeting?
The initial meeting you have with your disability lawyer is an important step in pursuing your claim. At an initial meeting, there are certainly more than three questions that an experienced disability lawyer will ask a client, but here are the three key questions they should be asking.
1. Do you have disability insurance?
While the answer to this question may seem rather obvious, it is rarely as straightforward as it seems. Many people who contact Share Lawyers don’t know whether they have disability insurance, and if they do have it they may be unsure about the type of insurance coverage they have.
Here are some important follow-up questions to ask about your coverage.
- Group coverage through your employer?
- Or a private policy or Individual policy that you purchased on your own?
Other important questions to ask:
- How long does the coverage last?
- What amount will the insurance pay if you qualify for the benefits?
2. What illness or impairment is preventing you from being able to work?
This question is among the most important and should be accompanied by several other questions, such as: Is the medical problem obviously disabling? Are your symptoms severe enough that they prevent you from working? Are you currently receiving treatment and are your doctors and health care providers supportive of your disability? How long will your illness continue and when will you be able to return to work?
Knowing the answers to these specific questions is key for an initial meeting. The more information the disability lawyer has, the better.
3. Where and how long have you been working?
If your benefits are available to you through your workplace, how long have you been there and are you unionized? If your benefits were purchased from an insurance agent and should pay you if you cannot do your own occupation, how long have you been working in that occupation and what skills or training do you have?
These three key areas are extremely important to decide whether to pursue your claim. The list is not exhaustive, but if the answers to the above questions all point to pursuing your claim, you should contact an experienced disability insurance lawyer without delay.
Has your long-term disability claim been denied?Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.
We have recently settled cases against Industrial Alliance, Manulife, Sun Life, Co-operators, RBC Insurance and many more. We love hearing feedback from our clients, so please share your own experience with us.
Denied your long term disability claim?
Contact Share Lawyers today and put our experience to work for you. Our 35+ years of experience can help you win your case against Canada Life, Desjardins, Manulife, RBC Insurance, Sun Life, and other insurance companies. We offer free consultations and there are no fees unless you win your case. Join us on Facebook and become a Top Fan for a chance to win each month.
A note from our long term disability lawyers
Taking a medical leave from work is not an easy decision to make. Concerns about providing for yourself and your family and keeping your job may cause you to want to push through your pain, but this won’t make your problems go away. Stopping work is often the smartest decision for your long term health and well-being, and your disability benefits are there to provide you with financial support until you can return to work.
If you have made the tough decision to stop working and apply for your short term disability or long term disability benefits, you may feel overwhelmed by the process and have questions that your employer and your insurance company are not able or willing to answer. Share is There to see you through and answer your questions.
Our Disability law firm knows what you have been going through
We understand that things have not been easy for you over the last little while. Your health has been suffering, you are unable to work, and now your insurance company, who was supposed to be there in your time of need, has decided they will not pay your disability benefits or respect your disability claim. These benefits exist to provide you with the financial support you need so that you can focus on your health and rebuilding your life. It is unfortunate that your insurance company has not lived up to its promise. If your disability claim has been denied, we will fight to get you the benefits you are entitled to. Our disability lawyers have helped thousands of Canadians get their long term disability benefits over the past 35 years, and we can help you too.
Our experienced disability lawyers can fight back on your behalf
Share Lawyers believes that every client who is dealing with a disability claim deserves superior personal service. To achieve that goal, we have developed our team of experienced, compassionate, and caring long term disability lawyers, law clerks, and administrative staff to meet all of your needs. Our team of experienced long term disability, life insurance, employment, and critical illness insurance lawyers have made successful claims against many insurance companies, third-party administrators and employers.
If you are unable to work, your disability benefits should be there to provide you with the financial support you need. While your insurance company may be focused on finding ways to avoid paying your claim, our focus is on what is in your best interest. When Share Lawyers gets involved, you have an entire team of lawyers that are there to support you and to fight for what is yours.
Our disability claim lawyers fight for your disability insurance claim by relying on our many years of experience to apply the best strategic planning and approach in each case, using the latest technology available. Experience matters, and with Share Lawyers, you are in the best hands with 35 years of success on your side.
In this video, we explain the role of a long term disability lawyer and how we can support you when you have been denied your long term disability benefits.