You may think
that your disability is covered by your insurance policy, but the moment you
file a claim you begin to run into a series of delays. Often, there will be a
quick denial of the claim. Unfortunately this can be standard procedure for an
insurance company. They love to collect premiums from you, but they are
reluctant to pay out a claim. The following are three reasons you will want to
call an attorney.
Long delays in processing your claim
This can
often be a stall tactic. They ask for another document to process your claim,
but after you supply it, you find out that this was not enough. There is
another document needed. This game will go on for a long time in the hope that
you will simply give up on your claim. By hiring an attorney, the process will
seldom be delayed. An attorney with experience in this area of law will not
tolerate delays when there is no legal justification for them.
A short-term claim was paid but not a
long-term claim
Basically,
your insurance covered a short-term disability, but they refuse to accept any
evidence that you have a long-term disability to be compensated for. Naturally,
an insurance company is going to be more reluctant to pay out a claim for a
long-term versus short-term disability; there is simply more money involved.
However, it is the policy that matters and how that relates to your condition.
An attorney can make sure your claim is paid when it is covered by your policy.
Your claim is denied
It is common
for people to simply have their claim denied. Most of the time there will be a
reason given for the denial, but whether it is legally defensible only a lawyer
can determine. Insurance policies are complex contracts, but an attorney will
be able to sort through the legal language of the policy to determine whether
you are being denied your claim without justification.
Always keep
in mind that insurance companies are trying to make profit; this is their
primary motivation. The moment you believe that you are not getting the money
you are entitled to, you should call a long term disability lawyer Toronto
firm immediately. An insurance company has a tremendous advantage over you
during the claim process, and an attorney will be able to even the playing
field.
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