You may need a lawyer to handle your long-term disability insurance claim in certain circumstances. If you have applied for long-term disability benefits well in advance of your short-term disability benefits expiring and your claim is accepted from the outset, you don’t need to hire a lawyer.
When I need a Lawyer to Handle my Long-term Disability Insurance Claim
Here are examples of situations where you would need to hire a lawyer to advance your long-term disability insurance claim.
- You are turned down for disability benefits from the outset.
If the long-term insurance provider turns down your application for benefits, contact a lawyer. Most policies state that you must be unable to perform the duties of your “Own Occupation” to receive benefits. Ask the insurer to state its reason in writing and take the letter with you when you consult the attorney.
- The policy switches to the “Any Occupation” standard and you are advised your benefits will end.
At this point, you will only be able to continue receiving long-term disability benefits if you can show that you are unable to perform the duties of any occupation for which you are qualified by your experience or education. If you and your treating physicians feel that you are unable to work, contact a lawyer to handle your long-term disability claim.
Don’t give up your right to long-term disability benefits that you are entitled to – call 1-877-614-0008 to speak to the experienced personal injury lawyers at Conte & Associates. Based in Vaughan, Conte & Associates works with clients in Vaughan and in the surrounding cities of: Thornhill, Woodbridge, Concord, Kleinberg, Maple and Richmond Hill.