How are Denied Long Term Disability Cases Settled?

Enter our Share to Care Giveaway for a change to win $10,000!

Unfortunately, it happens all the time - disputes between claimants and insurance companies can often arise during long term disability cases.

Over Half of LTD Claims are Denied

Contracts between you and your insurance company can be very convoluted and contain a number of hidden loopholes. Claimants depend on the security of a long term disability contract and often pay into their employee or privately purchased disability benefits for years. But up to 60% of legitimate claims are denied by the disability insurance company. And as we’ve talked about in many past blogs, that’s when it’s time to get a disability lawyer involved.

Because long term disability claims usually mean substantial and ongoing benefit payouts, insurance companies will often try every angle to deny the benefits that you deserve. This is how their business operates - when they deny you, they save money. They get away with this because often the claimant is not adequately informed of the provisions of their policy, or they become so frustrated with the process of obtaining their disability benefits that they give up, returning to work when they are not ready.

Denied LTD Cases Often Lead To Lawsuits

The idea of working with a lawyer, suing your insurance company can seem incredibly intimidating and stressful. We understand that things are also not easy for you at this moment - 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.

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 claim has been denied, we will fight to get you the benefits you are entitled to.

Although many denied long term disability cases lead to lawsuits, the good news is that many of these cases can be settled before going to court. Our long term disability lawyers can stand up for your rights and expose the inconsistencies in the insurance company's contract that may result in you getting the benefits you need.

There are a number of approaches your lawyer can pursue to resolve your case without ever having to go to court including: fighting for a reinstatement of your disability benefits (where the insurer will pay what is owing to bring the disability benefits up to dat) or a buyout or lump sum settlement (where the insurer pays a lump sum in return for the insured giving up all of his or her future rights under the agreed upon policy).

Our Disability Lawyers Help Settle Your Case

Having the experienced disability lawyers from the Share Lawyers team by your side during your long term disability case sends a strong message to your insurance company that you need to be treated fairly. Your insurance company knows Share Lawyers by name, and they know that our lawyers do not give us. This can improve your chances of settling your case. Our lawyers work to prove your entitlement to benefits and by motivating your insurance company to properly evaluate your claim and give you proper and fair consideration.

In this video, President David Share talks about how our team handles your case. “We’re there to protect our clients and guide them through every step of that process and to try to minimize their stress levels.”

To learn more about our process of settling your disability claim, please visit the Our Process page on our website.

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.