If you have suffered an illness or injury which prevents you from being able to work, you may be able to apply for disability benefits from your long-term disability insurer. If your benefits have been denied, you need a lawyer to pursue your long-term disability claim.
The lawyers at Walter Law Group are highly experienced in handling disability claims and vigorously advocate for both long- and short-term disability benefits for our clients.
Most often, LTD benefits are denied because the insurance company decides you are not ‘totally’ disabled. These decisions are often just plain wrong.
Long-Term Disability Insurance policies state that to qualify for benefits, you must have a “total disability.”
Every LTD policy has a different definition of the term, but it generally means that you are unable to perform the essential tasks of your job due to an injury or illness.
Denying legitimate LTD claims saves Insurance Companies a great deal of money. If you do not challenge the denial, the Insurance Company keeps the money it should have paid to you. Do not let that happen to you. Call us today to take the first step to getting your LTD claim approved.
In most LTD policies, for the first two years of a disability, the definition of total disability means that you are unable to perform the duties of your job. After the initial two year period, the definition of total disability changes to mean that you are unable to perform the duties of any job you are suited for and for which you can be gainfully employed. We often see people cut off benefits after 2 years.
A decision from an insurance company to deny your claim or cut off your benefits does not mean you are not eligible for benefits. If the denial was wrong, it means the Insurance Company has made an unfair decision to keep the money and not pay you the benefits you are legally entitled to. It means legal action must be taken in order to get your LTD Benefits claim approved.
In today’s world we are seeing more and more people who have been denied their rightful benefits. Do not accept a wrong decision. Do not accept not getting the benefits you are rightfully entitled to. Call us today to take the first step to getting your LTD claim approved.
Don’t Delay Contacting Us If Your Claim Has Been Denied
If your Disability Claim has been denied or your LTD benefits terminated, call or email us at (905) 822-2646
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