Best Long Term Disability Lawyers – When your long-term disability claim is denied or contested, we will thoroughly investigate and protect your right to a safe recovery.
If your healthcare professional says one thing and your insurance provider says another, we’ll fight for the support and peace of mind you’ve invested in.
Best Long Term Disability Lawyers
Being wrongly denied long-term disability benefits causes stress and financial insecurity, two things that can exacerbate your health problems. Our team of compassionate and experienced attorneys will skillfully challenge the legality of your long-term benefits denial or termination, and get you back on track with the insurance support you deserve.
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Our 40 years of extensive insurance experience gives us a unique advantage as your advocate. We’ll scrutinize every detail, determine the best course of action and keep you informed from start to finish.
If you have a long-term disability claim, we invite you to take advantage of our free consultation service. No obligation, no cost.
Recognized since 2006 in the “Best Lawyers in Canada” category in appellate practice, corporate litigation, corporate and commercial litigation and insurance law (Woodward/White).
“I felt free and I knew my case was in good hands. I had a very good understanding of what was going on down the road and I highly recommend this company.
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“Our attorney was professional and approachable. I personally recommend this firm and they will continue to be my first call when needed again.
Meet the experienced and exceptional attorneys and support staff at Williams Litigation. Meet your ruthless advocates. Have you recently filed a long-term disability claim with UNUM and been denied? We have seen an unfortunate tendency for UNUM to reject claims without adequate justification.
If you’ve been receiving disability benefits for years, or if you’ve just applied for benefits, you shouldn’t be put off if you receive a denial letter from UNUM in the mail. Our long-term disability attorneys are trained in the laws governing these LTD claims and can help you understand your rights, appeal unfair denials, and get the benefits you deserve.
UNUM is a Fortune 500 company and the largest insurer of long-term disability claims. Your LTD policy may be written by UNUM or one of the UNUM group companies, such as Paul Revere or Provident.
Has Unum Denied Your Long Term Disability Claim?
UNUM has a good reputation in the field of disability insurance. It is one of the worst crimes to be wrongfully denied disability benefits. The reason for rejecting the claim is simple. Insurance companies like UNUM are out to make money. If they can reduce the number of ‘issues’, they can increase profits for shareholders.
Courts have invalidated many of UNUM’s denials, and those same decisions have indicated that the company used unfair incentives and unfair practices to deny claims. If you are one of the latest victims of UNUM’s wrongful termination, know that you are not alone. Our long-term disability attorneys are ready to help you cope.
You will find out if UNUM has denied your claim when you receive a denial letter in the mail. In the denial letter, the UNUM representative will explain in detail why you are not eligible for disability benefits. Receiving this letter means that UNUM has decided to stop your benefits.
This may be why UNUM says you are ineligible for LTD benefits, but you shouldn’t take them at face value. UNUM has a history of improperly denying claims, and sometimes the information in the denial letter may be incomplete, misleading, or completely inaccurate.
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A rejection letter can be stressful and anxiety-inducing, especially if you’re counting on your benefits. If you recently received a denial letter saying you’ve lost your benefits, know that you have legal rights. You can take steps to get your benefits back, but you need to act fast.
After receiving a denial letter from UNUM, you have the legal right to file an administrative appeal if your policy is covered by ERISA (Employee Retirement Income Security Act). Most group disability plans purchased through an employer are governed by ERISA. If you are unsure whether ERISA applies, check the waiver letter for references to ERISA.
ERISA claims vary. ERISA favors insurance companies. Shorter time limits apply. Generally, you only have 180 days after receiving the denial letter to file an appeal. There are many special rules and regulations that apply to ERISA appeals, and these rules are complex. Therefore, we recommend that you at least consult with an experienced ERISA-trained long-term disability attorney before filing an appeal.
Under ERISA, you must file an administrative complaint to overturn a UNUM denial before filing a lawsuit. Your appeal must include all legal and medical assistance to reverse the denial. You want to add as much as you can to support your claim. If your appeal is denied and you have to take UNUM to court to challenge their denial, you will not be able to add new evidence later.
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In an ERISA lawsuit, you cannot adduce new evidence, you cannot conduct “discovery” and you cannot subpoena witnesses. The judge also gives the insurance company the benefit of the doubt. Remember, we told you ERISA favors the insurance company!
So make sure your appeal includes all the information you need to get your disability claim approved, including:
When you file an appeal, UNUM will have 45 days before making a decision on your appeal. They may decide to reverse their denial or uphold the decision and deny your appeal.
UNUM may request a 45-day extension if more time is needed to review your materials. At the end of this period, they have to submit a decision. If your appeal is denied, ERISA allows you to file a lawsuit and ask a judge to review your claim and decide whether to return benefits. The best outcome for UNUM would be to pay only the benefits owed to you.
How Far Back Does Disability Pay?
If you want to appeal your UNUM disability denial, you don’t have to do it alone. ERISA is a complex area of law, and UNUM has a medical and legal team ready to tackle it. Because our experienced disability attorneys will guide you through the process and build the strongest possible case to get your claim back.
Our long-term disability attorney is ready to help and will be happy to discuss your UNUM waiver with you. Contact us today at 816-203-0143 and we will review your waiver letter for free and provide you with a strategy tailored to your specific case.
Have you left long-term disability? Download our free book to learn how to fight and win your appeal. Download Now Long Term Disability Attorney Disability benefits are often denied or terminated. When long-term benefits are in doubt, we can help you take the next strategic step focused on your specific settlement or litigation needs in Ontario.
A denial of disability benefits by your long-term disability carrier is not final. Before accepting or appealing an insurer’s denial of benefits, it’s best to thoroughly understand your unique situation and the rights and entitlements your disability policy affords you. We can help you navigate the legal process in Ontario.
How Long Term Disability Insurance Works Vs. Social Security Disability
We find that appealing a denial of benefits through an insurer’s internal appeals process is not always the best course of action. Using an insurer’s internal appeal can sometimes delay benefits to which you are entitled. Sometimes the issue is justified. We will tailor our support to you and help you create a clear strategy that fits your case. Hamilton and St. With offices in Catharines, Ontario, Cooke Reynolds LLP provides legal services in a variety of areas.
Often, long-term disability insurance will deny you without complete medical information. We can help you if your insurer has refused to pay benefits because there is no “objective evidence” of your impairment, or if you have not shown specific limitations and restrictions that would prevent you from meeting them. work
Certain disorders such as chronic pain, depression or anxiety cannot be “objectively proven” to the insurer, but that does not mean that the disorders are not real or that you are not entitled to benefits under the policy. . We can help you in these types of cases and provide the necessary evidence to prove your rights.
You have the right to retain the representation you choose. Cook Reynolds LLP can help you navigate the long-term disability claim process and answer specific questions about your rights under the policy. Questions can be:
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Email us an email through our contact page or call 905.526.8072 to speak with an experienced long-term disability attorney at Cook Reynolds in Hamilton and St. Louis. Catharines, Ontario.
Southern Ontario Long Term Disability Lawyers – Hamilton, Burlington, Brampton, Welland, St. Catherine, Golden Horseshoe and Niagara Falls services. These are all very common questions for people claiming disability benefits. Yes, SSA
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