Toronto, ON (PRWEB) June 27, 2014
Applying for long-term disability benefits and having your application denied at the outset, or being in receipt of benefits and having them terminated can be a frustrating and stressful experience for a person who is in need of income replacement as a result of a disability that renders him or her unable to work.
Hiring a lawyer is an important step to take as lawyers who practice long term disability law know how to interpret insurance policies and understand what specific terminology and clauses mean, and in turn, your lawyer can explain these things to you.
The legal process can seem like an uphill battle at times, but your lawyer is your representative, and will do everything to get you the best possible settlement and fully advocate for your rights as an insured person.
As an insured person, or “claimant”, there are things you should know, or do that can help make your case run smoothly.
Aaron Waxman and Associates, a Toronto long term disability firm offers the following tips:
1. If you have not yet commenced a lawsuit and have not hired a lawyer, be aware that every conversation you have with your claims manager/claims adjuster is documented by him/her. You want to be honest in your conversations with your claims adjuster and give them the necessary information to adjudicate your claim, but know that he/she is a representative of the insurance company and is not calling you to become your friend.
2. Make a record of every conversation you have with your claims adjuster and keep a copy of all e-mail exchanges and letters to and from your insurance company.
3. Cooperate with the insurance company’s request if they are asking for medical documentation to substantiate your claim or for you to attend an in-person assessment, unless you are unable to due for medical reasons, supported by your doctors. Your insurance company needs to be able to review the relevant medical information so they can understand why you are unable to work.
4. Keep all documents related to your claim. This includes letters from the insurance company, medical notes from your doctors, hospital admission sheets, prescription receipts, receipts for medical devices, doctor’s business cards, records of telephone calls or interactions you’ve had with the insurance company, anything and everything that relates to your long term disability claim and provide all of this documentation to your lawyer.
5. Be aware of your limitations and restrictions and report them to your doctors and specialists, so that they are documents. If your doctors or specialists find that you have specific limitations and/or restrictions, have them provide you with ongoing medical notes to support this.
6. Attend rehabilitation and treatment appropriate for your disability. If you require medication, be compliant with your prescribed medication. If you are unable to continue to attend treatment or rehabilitation due to financial reasons, ask your lawyer about how you can find financial assistance; your lawyer may be able to make suggestions. It is important in a long-term disability claim to receive ongoing treatment and regularly attend your doctors and specialists’ offices.
If you or someone you know has applied for long-term disability benefits and your application was denied at the outset, or your benefits have been terminated, consult an experienced long-term disability lawyer as soon as possible.
Aaron Waxman and Associates is a Toronto law firm whose practice is focused on long- term disability claims, short term disability claims, psychological illness claims, critical illness claims, life insurance claims, slip & fall claims, occupier’s liability claims, automobile accident claims, traumatic brain injury claims, and other types of personal injury claims.
We only help injured persons; we do not work for insurance companies.
We offer a free, no obligation initial consultation.
We can help you get your life back on track.
t: 416 661-4878
Facebook: Facebook.com/TorontoDisabilityFirm or Facebook.com/DisabilityLegalFirm