Disability insurance policies were created with the intention of providing a safety net of financial income for workers that sustain an injury - or a disability - that prevents them from performing their daily work functions. While the Canada Pension Plan (CPP) provides coverage for some injured workers, insurance-company issued policies are generally marketed to workers that are not offered disability insurance through their employer.
However, despite being created to help workers in their time of need, the benefit filing process can be quite difficult, with many eligible policy holders being rejected on their initial request. Unfortunately, this discourages many individuals that are genuinely eligible to receive these benefits and prevents them from obtaining the assistance they require.
Have you or someone you love has had a benefits application rejected? Perhaps you are unsure if you qualify for the types of payments that may be available for an injury that prevents you from working?
At the law offices of Greg Monforton & Partners, our highly trained lawyers can help.
Common Causes of Long Term Disability
While there can be many different factors that can cause a serious personal injury, in most cases many long term disability (LTD) injuries result from common ailments that many people suffer from.
Some of these include:
.... just to name a few.
Even though many people have taken steps to protect their income stream by:
- purchasing disability insurance; or
- obtaining disability insurance through their employer.
If you are one of these people you probably assumed that your insurance company would accept and pay your claim if you had the misfortune of getting injured or becoming too ill to work. Unfortunately, insurance companies frequently deny valid disability claims or wrongly terminate disability payments.
Insurance Policy Fine Print
It's important to note that the primary purpose of most insurance agencies is to provide an annual return to their investors. The well being of their policy holders is generally much further down their list of priorities.
While many "total disability" LTD insurance policies are also bundled with short-term disability coverage, there is no uniform definition of the term "total disability". Therefore, this does not necessarily mean that a policy holder must be absolutely disabled before they are eligible to receive benefits.
How We Can Help
At the law offices of Greg Monforton and Partners, our law firm has successfully sued numerous Canadian disability insurers and forced them to live up to their obligations. We can provide the experience to help guide applicants through the entire litigation process and the determination to help fight for their rights.
With the combined effort of our legal staff, we force these insurers to:
- pay all wrongfully denied payments with interest; and
- reinstate the disability payments.
In many instances, we are able to negotiate a lump sum cash settlement for all past and future disability payments.
Have Questions? Contact Our Windsor, ON Disability Benefit Lawyers
While the process of requesting disability payments can be a frustrating and time consuming experience for many individuals, if your long term disability claim has been denied you may still be able to obtain benefits.
At our firm, we are compassionate to injury victims and understand the pressure that can be placed on families and other dependents when an individual is unable to provide a source of income due to a personal injury.
With this in mind, we strongly believe that insurance companies must be held accountable for the policies that they issue and will fight for the MAXIMUM compensation amount for our clients.
Our office is located in Windsor, Ontario, and we proudly provide contingency-based legal counsel to injury victims throughout the province including:
.... and almost all of the towns and suburbs that surround these areas.
For free answers to your questions about disability insurance claims, contact us today at (866) 320-4770. A member from our intake staff will answer your call and after some initial questions about you inquiry you will be quickly connected to one of our highly skilled lawyers.
For those that would prefer to start immediately, click "here" to reach us via this website.
Learn more about your legal options by calling (866) 320-4770. We're here to help.