Success Story: Tarinder Singh
45-year-old Tarinder Singh had been driving his own transport truck as an owner/operator for more than 10 years. Even though he was self-employed, he did most of his driving for a large haul company transporting all sorts of goods from manufacturers to retailers throughout Ontario and other parts of Canada too. It was recommended to him by the transport company that as he was an owner/operator, he should arrange his own insurance as he would not be covered under the usual Workers' Compensation laws. Tarinder arranged to get his own disability insurance to cover him in the event that he could not work due to illness or injury.
The Incident With Life-Changing Results
During one of Tarinder's deliveries, he landed awkwardly when getting out of the truck and suffered a significant injury to his left ankle. A few years back he had developed diabetes, which was reasonably well-managed by medication, however, his diabetes coupled with the significant fracture to his ankle, resulted in complications and the doctors were uncertain about how quickly Tarinder would recover. They were concerned that he would be left with permanent restrictions that would make it difficult for him to operate a transport truck.
Insurance Company Denies Claim For Disability Benefits
Initially following the incident, Tarinder and his family had hoped that he would recover quickly without any serious disruption to his work. After surgery, when the complications made it apparent that Tarinder would not be returning to his work anytime soon, he pulled out his disability insurance policy and contacted the insurance company to get the claim process going.
He filled out all the forms, including a form to be completed by his doctor and submitted them to his insurance company. The information was quite clear that Tarinder wasn't able to work at present and the prognosis for a future return to work was very much up in the air. Several weeks went by and the insurance company wanted more details regarding his disability. After several more weeks, Tarinder received a letter from the insurance company saying that his claim had been denied. They said that his coverage was only for disability caused by an accident, and that while his ankle fracture was caused by an accident, his ongoing disability was related to his underlying illness of diabetes and therefore not covered under the policy. Tarinder and his family were shocked as they believed that if Tarinder couldn't work, the policy would pay out. They had no idea that the claim could be denied on such a technicality.
How Share Lawyers Helped
Tarinder didn't know what to do, but his friend, who was also an independent trucker had used Share Lawyers with a similar problem and suggested Tarinder contact them.
Tarinder learned that the firm had years of experience helping others in similar situations, and he knew that the lawyer assigned to his case could handle his claim with care and tact, and not accept any fees unless his case was settled. The Share Lawyers team got to work on his case gathering the necessary details about the incident and the medical information to make a strong case regarding Tardinder's entitlement to benefits under the policy.
Share Lawyers provided support and reassurance to Tarinder and put pressure on the insurance company to deal with the case as promptly as possible. Within 10 months, a settlement had been concluded at a settlement meeting arranged between Share Lawyers and the lawyers representing the insurance company, which allowed Tarinder to focus on his health and provided the financial support he needed to think again about his future, where he hoped to someday get back to providing for himself and his family with his dignity and self-respect intact.
*All names and identifying details have been changed to protect the confidentiality of all involved.
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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.