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Do I Need a Lawyer for a Long-Term Disability Claim?


Purchasing long-term disability (LTD) insurance is often a smart move. It should protect you if you fall ill or become injured and are unable to work for an extended period of time. In some cases, however, the insurance company fails to approve your claim in a timely manner or at all, which can devastate your finances.

When your claim for the benefits you’re entitled to is denied, you’ll likely need the help of an experienced long-term disability lawyer who knows the tactics insurers use to prioritize their profits over the needs of their policyholders.

Obtaining an Approval

You should have no trouble getting approved for your long-term disability benefits, right? After all, you purchased the policy and were on time with your monthly payments. All too often, however, claimants are met with pushback from their disability insurers when attempting to collect the benefits they’ve paid for.

Being approved for benefits should be easy. File your claim, provide as much supporting medical documentation as you can, and be approved. Unfortunately it’s rarely this easy to get approved; having the assistance of a lawyer in such a situation can only benefit you.

Having someone well-versed in disability insurance law by your side from the moment you decide to pursue benefits to the end of the appeals process will ease your mind while you’re dealing with the consequences of an illness or injury.

Why Your LTD Claim Might Have Been Denied

There are numerous reasons why an insurance company might deny a claim for even the most deserving LTD claimant. Although many denials have valid reasons, others are wrongful and shouldn’t be taken lightly. With the assistance of an experienced lawyer, you can reverse your denial and gain access to the benefits you deserve.

Some reasons why your claim might have been rightfully denied could include a failure to disclose a pre-existing condition that is related to your current disabling condition, filling out paperwork improperly, or being behind on monthly insurance payments.

Wrongful denials, however, are common, and they only serve to protect the interests of the insurer. Your LTD claim could have been wrongfully denied if the insurance company, despite being given supporting medical documentation, claims that you aren’t considered disabled “enough,” if it claims that your policy doesn’t cover the condition or injury you’ve suffered (even though it does), or if the insurer didn’t give you a reason for why your claim was denied.

In any event, working with a long-term disability insurance lawyer can help you thoroughly examine all of the documentation you provided to the insurer and your policy in its entirety to determine whether the insurance company had valid reasons for denying your claim. Our team will work tirelessly to secure the benefits you are entitled to—whether that means filing an appeal on your behalf or bringing your case to be heard in front of a judge.

Speak with a Toronto Disability Lawyer

If you would like more information about long-term disability insurance or if you need helping fighting back against a wrongful claim denial, reach out to a qualified Toronto disability lawyer at Blackacre Law, PC today. You can schedule a free, no-obligation consultation by calling our office at 647-556-5888 or filling out the convenient contact form at the bottom of this page.