Denied or Cut-Off from Disability Insurance Benefits?
As a consequence of severe injury or illness, many people like you are unable to return to work. In such a situation you need financial resources to support your family and help you live a normal life. Depending on your specific situation, you might be entitled to specific government disability benefits.
Many people working in Brampton also have private insurance disability coverage, either through their employer’s group plan, or through an individual plan. While this coverage is indeed welcome in such a situation, you first need to file a claim and get approved to receive the short-term, and eventually long-term disability benefits provisioned by your policy.
Unfortunately, disability benefit claims are routinely denied, or you can be cut-off after initially receiving the benefits for a short-term and transitioning into long-term disability. Insurance companies routinely deny claims, and many individuals don’t challenge their decision for various reasons. Don’t accept the insurance decision after receiving a denial letter – an experienced LTD lawyer can help reverse the decision!
Contact A Brampton Disability Claim Lawyer Near You
HIMPRO Personal Injury and Long-Term Disability Lawyers
2 County Ct. Blvd., Suite 400
Brampton ON L6W 3W8
(905) 595-6760 | Toll-Free: (855) 297-5522
If you live in or near Brampton, ON and are dealing with a denied long-term disability claim, we invite you to contact the team here at HimPro. Our experienced disability lawyers can provide you with a free case assessment and offer you legal counsel about what your next steps should be.
Our Brampton office is close to the A. Grenville and William Davis Courthouse
Disability claims on their own can be confusing. But, trying to reverse a long-term disability claim denial can be even worse. Insurance companies are known to deny initial disability claims or make you jump through hoops to get approved. A denial of your disability claim may be just another bump in the road. When you have an experienced disability lawyer at your side, insurance companies take you much more seriously.
Through years of going through proceedings of denied or cut-off disability claims, we’ve worked with insurance companies to achieve great outcomes for our clients. Our 97.5% success rate in handling disability claims shows we’re taken seriously by insurers and work very hard to fight for our clients’ rights.
Our commitment to you – we will:
- Work to lessen / remove the stress you and your family are experiencing
- Analyze your long-term disability case quickly
- Handle the communications with your insurance company
- Move to obtain the appropriate medical documentation required
- Issues legal proceedings to get your case settled
- Offer you our HIMPRO Advantage™ exclusive guarantees
- Protect your employment rights with your employer (to address / prevent wrongful dismissal)
A Brampton Disability Lawyer Team Building Winning Strategies
People often see their first disability claims denied. From here people can become discouraged. That’s where a disability lawyer in Brampton with the right experience can help.
Before taking the next step, it is important to your case to contact a ltd disability lawyer near you to review your claim and determine a strategy in which to proceed. Hiring a lawyer in your area can increase the odds of getting the maximum disability benefits you are entitled to.
There are a number of ways that a person could end up suffering a disability, whether that be a workplace injury at one of Brampton’s big employers like Rogers on Dixie Rd., the Chrysler assembly plant on Williams Pkwy, or Maple Lodge Farms on Winston Churchill Blvd, or possibly from a car accident or other type of injury. Disabilities can sometimes arise from exposure to certain chemicals or materials over time, while others are genetic. Whatever the cause, our team of experienced disability lawyers are here to help.
We can help with the following types of long-term disability cases:
- Cardiovascular System Disorders
- Critical Illness and Long-Term Disability (LTD)
- Digestive System Disorders
- Endocrine Disorders
- Genitourinary Impairments
- Hematological Disorders
- Immune System Disorders
- Impairments That Affect Multiple Body Systems
- Malignant Neoplastic Diseases
- Mental Health and Disability
- Musculoskeletal System Disorders
- Neurological Disorders
- PTSD and Military Disabilities
- Respiratory System Disorders
- Skin Disorders
- Special Senses and Speech
- Other Impairments such as Chronic Pain & Soft Tissue Injury
- And More Conditions and Disorders
HIMPRO Personal Injury and Long-Term Disability Lawyers has built a team of experts in multiple fields to prove your case against the insurance company.
Also, our team routinely helps people like you claiming disability benefits to:
- Successfully pass the 2-year test for disability of group disability policies (when you are asked to prove you cannot hold “any occupation” outside your own work/ occupation
- Successfully apply for Canada Pension Plan (CPP) disability benefits
- Prevent losing your home or getting evicted from their apartments by advancing motions to ensure payment of disability benefits for clients while awaiting trial despite the initial denial
- Successfully navigate the new appeals process at the Social Benefits Tribunal
WHAT YOU NEED
To Do Next
If your initial disability benefit has been denied by your insurance company, don’t wait: you need a seasoned disability lawyer and team in the Brampton area to look into your claim and determine the best course of action to secure your benefits. Take the first step and talk to our disability claim specialist, now.
Why Disability Claims Get Denied
There are a number of reasons why an insurance company in Ontario may choose to deny your LTD claim. Some of the most common reasons include:
Lack of Medical Evidence – If you have incomplete or missing medical records, test results, or doctor’s notes, or if tests do not validate the presence of a disability.
Refusing Adequate Treatment – If you frequently miss or cancel appointments, or neglect to follow the treatment plans and therapies outlined by your physician.
Pre-Existing Conditions – It is common for insurance companies to deny LTD claims, citing that the individual had a previous health condition which is responsible for their current disability and inability to work.
Policy Exclusions and Limitations – If the type of disability falls under the exclusions or limitations that are outlined in the insurance policy.
Insufficient Work History or Employment Status – If you don’t meet the work history threshold or are not working the required amount of time, you may have you claim denied.
Discrepancies and Inconsistencies – If there are differences in the information provided in the application and the supporting documents provided.
Investigation – In some cases insurance companies may hire a private investigator to check and make sure you are as disabled as you have claimed and if they find evidence to suggest the contrary then you could have your claim denied.
Missed Deadlines – It is critically important that you not miss any filing deadlines when it comes to LTD insurance claims. An experienced LTD lawyer in Brampton can help make sure you hand in all the necessary documents well within the required timeframes.
Why Choose HIMPRO?
Himelfarb Proszanski’s disability team has a strong reputation of successfully handling disability claims in Ontario. Some major local law firms refer us their client’s disability cases. Our track record of successfully handling 97.5% of denied disability claims proves that insurance companies take us seriously.
We provide a combined century of trial experience which has led to the successful settlement of over 10,000 cases with combined settlement value in excess of 3/4 billion dollars. And finally, we’re the only firm to offer you. And finally, we’re the only firm to offer you the HIMPRO Advantage™.
Based on almost 30 years of legal expertise and handling over 5,000 disability cases, the Disability team at HIMPRO knows how to handle the different strategies the Insurance companies use to deny or delay the payment of your LTD Disability benefits for years. Our in-depth knowledge of the Disability Claim legal process in Ontario has led to an impressive track record: a 97.5% success rate handling disability claims.
Insurance companies know our reputation and don’t want to go up against us in court. We’ve really earned the respect of the insurance industry. Our team, led by David Himelfarb, has over 100 combined years of hard fought insurance and litigation experience, obtaining significant judgments for our client’s disability cases. We have been recognized by Best Lawyers and have the highest rating, AV Preeminent, from Martindale-Hubbell. We have sued and challenged everybody there is, at every major insurance company, over the last 30 years. That has certainly earned us the respect of their general counsel, their national trial counsel, and their defense counsel.
Trying to defend your rights to receive disability benefits and engaging in a legal case can be intimidating and stressful, on top of the disability issue itself. Our team fully understands this and will support you from the start. From our first contact, our immediate goal is to relieve the stress you and your family are experiencing due to a denial by the insurance company. We also understand you want us to be responsive to your enquiries and be kept up to date along the process. For us, you are NOT a number, and we will treat you with full respect for your person and situation, while providing the best legal representation possible.
If English is not your first language, we provide professional translators to assist you in this process, which will limit the stress due to language barriers.
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Our guarantee: we don’t get paid until your case settles.
