Long Term Disability
Get The Disability Insurance Coverage You Paid For!
Was your disability insurance claim denied?
Your insurance company might be giving you the run around:
- Arguing that you and/or your treating doctors aren't being truthful and honest.
- Claiming that you can still work, even though you've tried and have demonstrated that you can't anymore.
- Stating that your condition doesn't "qualify".
- Hassling you over every bill you send to them.
You worked hard for your career, you pushed through the grind, paid your dues, and did everything you were supposed to. Now, when you need it the most, the insurance company is denying you the benefits that you paid for.
It's not right. You paid your premiums to be covered "just in case," hoping that you'd never need to use your LTD benefits. But now you do... and they are playing games with your livelihood.
I'll help you fight back.
Big insurance companies have an army of people whose job is to limit their "exposure" to paying out claims. Yes, that means that they are employed so that they can minimize the amount of money that they have to pay out to claimants (you).
They do that by making it difficult to claim the benefits that you are owed; hoping that you'll give up and go away.
I'm here to make sure you don't give up. To make sure that you cover yourself and your family financially over the long term by getting you the money you are owed. I'm here to take on the difficulty in working with the insurance company.
I'm here when you're ready.
FREE DOWNLOAD
Your Essential Guide to a Rock-Solid Long-Term Disability Application
Navigating the complexities of long-term disability (LTD) benefits can be challenging, especially when you are already dealing with the stress of a serious injury or illness. This guide is designed to help you understand the key aspects of LTD benefits, empowering you to make informed decisions and secure the support you need.
Here Are Some
Helpful Resources For LTD In Ontario
Recent Settlements:
Some of the case results that Catherine has recently helped her clients to win.
$2.3 Million Settlement
Man suffers traumatic brain injury after being hit by truck.
Catherine's client was walking across the street to work when a motorist driving a truck struck him in the crosswalk. The police charged the driver with careless driving, failing to yield to a pedestrian, improper tires, improper breaks, and failing to surrender proof of insurance. The Defendant's plates were seized and the vehicle was classified as unfit.
As a result of his injuries, medical doctors opined the client would not work again, and require extensive, life-long medical care.
$1.3 Million Settlement
Man deemed catastrophically injured.
Catherine's client was injured when a vehicle ran a red light, resulting in a front-end collision. After years of fighting with the insurance companies, Catherine's client was deemed to be catastrophically injured due to physical and psychological injures. Medical experts found he would never be able to work again and would require significant future care.
$935,000 settlement
CPA suffers brain injury in head-on collision.
Catherine's client was injured when an elderly driver crossed the centreline, causing a head-on collision. Catherine's client made a remarkable recovery and was not deemed to have sustained catastrophic injuries. A partial return to work was successful and a settlement was reached for income losses, pain and suffering, and future rehabilitation.
STILL HAVE QUESTIONS?
Frequently Asked Questions
Why was my long-term disability claim denied?
Your LTD claim may have been denied for several reasons, such as insufficient medical evidence, missed deadlines, or the insurer's mistaken belief that you can perform some type of work. I can help you understand the specific reasons for your denial by reviewing your denial letter and advising you on the best steps forward.
What should I do if my LTD claim is denied?
If your LTD claim is denied, it's crucial to act promptly. Start by reading the denial letter thoroughly. Then, gather all necessary documentation, including medical records and any additional evidence that supports your claim.
How long do I have to appeal a denied LTD claim?
The timeframe to appeal a denied LTD claim varies. Typically, you have 60 days, but this can change depending on your insurance policy and jurisdiction. I can help ensure that all deadlines are met and that your appeal is filed correctly and on time. If you have exhausted your appeal rights, you typically have 2 years from the date of the first denial to issue a claim starting the lawsuit. This depends on your location.
What evidence is needed to appeal a denied LTD claim?
To appeal a denied LTD claim, comprehensive medical evidence is essential. This includes detailed reports from your healthcare providers, test results, and other documentation supporting your inability to work. I can assist you in gathering and organizing this evidence, as well as providing additional supportive statements.
Can I handle the appeal on my own, or should I hire a lawyer?
While it's possible to handle the appeal on your own, hiring a lawyer like myself who specializes in LTD claims can greatly increase your chances of success. I can navigate the complex appeals process, gather necessary evidence, and advocate on your behalf to ensure your rights are protected.
What are my chances of winning an appeal?
The success of an appeal depends on many factors, including the strength of your medical evidence and the specifics of your case. Sometimes it is necessary to take the next step which is commencing a lawsuit against your insurer for payment of benefits.
How long does the appeal process take?
The duration of the appeal process can vary, typically ranging from a few months to over a year. I can provide you with a more accurate timeline based on your individual circumstances and keep you informed throughout the process.
What if my appeal is denied?
If your appeal is denied, you still have options. You may be able to file a lawsuit against the insurance company. I can help you evaluate the strength of your case and determine the best course of action moving forward. Together, we will explore all available options to pursue the benefits you deserve.
Will hiring a lawyer be expensive?
Many personal injury lawyers, including myself, work on a contingency fee basis. This means you only pay legal fees if we win your case. This arrangement makes legal representation accessible, as there are no upfront costs. I am committed to helping you without adding financial stress.
How can I prevent my LTD claim from being denied in the first place?
To prevent your LTD claim from being denied, ensure you provide thorough and accurate medical documentation, meet all deadlines, and follow your insurance policy's requirements closely. I can offer guidance and support from the outset, helping you avoid common pitfalls and strengthening your application.
Book A Consultation With
Guelph's Trusted Personal Injury Lawyer
If you've been hurt in an accident in Ontario, it pays to have Catherine in your corner. With her compassionate approach she'll take the time to understand your situation so that she can then fight to protect your future.
When booking your consultation, you can rest easy knowing that:
- There is no obligation if you take a consultation. This is simply your chance to share your story with Catherine and decide if she's the right lawyer to represent you.
- Everything you share is completely confidential.
- You pay nothing out of pocket. If you decide to work with Catherine, her fees are covered as a percentage of the verdict or settlement. She only gets paid when you win!
Request your free consultation
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Guelph Office
Suite 300 100 Stone Road West
Guelph, ON N1G 5L3
Phone: 226-203-1243
Fax: 519-826-4332
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Suite 1800 140 Fullarton Street
London, ON N6A 5P2
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