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You’ve spent decades of your life paying your disability insurance company on time and yet, when you find yourself incapable of doing your work for reasons you have no control over, they deny your claim. So what happened?
Maybe the insurance company hired a doctor who said you no longer qualify, for no discernible medical reason you know of, and when you go up to your own doctor, they don’t understand either. There seems to be no logic, no empathy, and no decency behind it. It can make you depressed and frustrated, confused and furious. If you were to call the adjuster, they’d probably tell you it’s a done deal you can only appeal because their own hands are tied. Weeks, if not months may have already passed and your bank account may have started to collect cobwebs.
At this point, you can give up, draft the appeal or hire a lawyer. It’s a bad situation to be in where your humanity is stripped away and you’re only viewed as a financial burden by the people who hold your future in the palm of their hand.What you’ve got to do now is stay strong and resilient. You’re potentially up against a billion dollar company but that doesn’t automatically mean they can buy themselves out of their responsibility towards you. With a good personal injury lawyer in Brantford on your side, you can go up against them in court and win.
An appeal can be a good step in the right direction as long as you have additional evidence to support your claim and don’t put down any information your insurer can use against you. There are cases in which an appeal has reinstated benefits and got people out of hiring a lawyer long-term or even hiring one at all. You can, of course, also make use of a free consultation with a lawyer. In this case, you’ll of course have to make sure that they’re the right one for the case and that you feel comfortable openly talking to them. If you’re faced with a long-term disability and your lawyer starts talking about a final settlement to end your claim, you should probably go looking elsewhere for a lawyer more befitting to your situation.
Also make sure to talk to them about payment, especially if said payment is based on a set percentage of your future recovery.You can get your disability benefits back, but it can be a rocky road to victory and proper legal advice from a disability insurance denial lawyer can be a helpful tool in getting there.