Navigating the world of disability insurance can be a difficult challenge, especially if you’re self-employed. Understanding your options is crucial when it comes to getting your disability benefits.
To help Canadians grasp this topic, we’ve noted some of the most frequently asked questions regarding professional disability insurance denials. After over 35 years of advising individuals who’ve been denied their disability claims by insurance companies, our disability lawyers know how best to help you in your current situation.
Want more information on professional disability insurance denials? Share Lawyers’ long term disability lawyers will help you understand your situation and fight for your benefits.
Professional Disability Insurance Denials: FAQs Answered
Q. What is Professional Disability Insurance?
Many professionals, such as doctors, lawyers, dentists, and self-employed business owners, purchase disability insurance privately rather than through their workplace. This type of disability insurance replaces income in case they cannot work due to ongoing illness or injury. Claims made under these policies typically undergo scrutiny, and early legal intervention in these cases is important.
Q. What Should I Consider Before Purchasing a Private Disability Insurance Policy?
Private disability insurance is usually more expensive than group insurance offered through an employer, but it often includes more comprehensive coverage. Many policies offer benefits if you cannot perform your usual occupation, known as "Own Occupation" insurance. Nevertheless, it's important to note that these policies may reduce benefits if you can work in a different occupation that pays a lower income.
Q. What Does Professional Disability Insurance Cover?
The extent of coverage is contingent upon the specific insurance product you choose and your current income. It's not possible to acquire insurance that surpasses your existing earnings. However, many private policies provide the flexibility to purchase additional coverage by considering updated income information.
Q. Are Professional Disability Insurance Denials Common?
Unfortunately, yes, professional disability insurance denials are common. Obtaining disability coverage often involves an extensive application. Providing accurate answers to all qualifying questions is essential. If there are any inaccuracies between your initial application and your subsequent disability claim, your policy could be cancelled on the basis of misrepresentation.
Q. How Does Share Lawyers Support Clients Through Professional Disability Insurance Denials?
At Share Lawyers, we aim to ensure our clients remain well-informed and at ease throughout the process. We do the heavy lifting and handle all communication with your insurance company so you can focus on what matters most—getting better.
What Share Lawyers Will Do For You
What You Will Do
We will inform your insurance company that we are now your legal representatives and all communications should be directed exclusively to us.
Feel free to contact your lawyer or client service representative via phone or email whenever you have questions; there won't be any additional charges.
We will contact your healthcare providers, employer, and tax department to obtain the necessary information.
You do not need to communicate directly with your case manager or insurance company again.
You will receive your initial file package containing details about our services, exclusive VIP benefits, and complimentary membership to Maple Virtual Health.
You don't have to go through the hassle of collecting medical information from your doctors; we'll take care of it for you.
We will promptly prepare the demand and/or file the lawsuit on your behalf.
Your primary focus should be on your health, and we will handle all aspects of your case.
We will guide you through each phase of the process, ensuring you are well-prepared, and we will advocate for you at every step.
Please keep us informed by providing updates and relevant information as necessary.
We will vigorously advocate on your behalf against the insurance company, securing a successful outcome to ensure you receive your deserved disability benefits.
Feel free to contact your team of disability lawyers anytime you have questions, updates, or concerns. We are here to assist and address any inquiries you may have.
We are just a phone call or email away at all times. Whenever you need to communicate with your team of disability lawyers, we are here to support you.
We encourage you to use our Life reBUILDER program and its tools. Accessing it is simple and comes with significant benefits.
What is Share Lawyers’ Fee Structure for Taking on Professional Disability Insurance Denials?
We provide various options for legal fees based on the specifics of your case. These may include an hourly rate, a contingency fee, a flat rate, or a combination of these. We encourage you to contact us to determine the fee arrangement that best suits your situation.
Share Lawyers is in Your Corner
If you have more questions about professional disability insurance denials, don’t hesitate to reach out to the experienced disability lawyers at Share Lawyers. We’ll guide you through the process and advocate for your rights.
Insurance companies know we mean business because we have the track record to prove it. We’re committed to helping Canadians like you secure the benefits that they deserve. Our dedication speaks for itself.
Best of all? We don’t get paid until you do.
Still have questions about professional disability insurance denials? It’s not the end of the road.
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. Our legal team offers a free consultation and works on a contingency basis - there are no fees unless you win your case.