Disability Lawyer in Toronto: Fighting Unethical Claim Denials
Sadly, filing disability benefits is a lengthy and discouraging process for claimants, as over three-fourths of applications are being denied at the first instance itself. According to a disability lawyer in Toronto, most people do not pursue an appeal.
“It is intriguing to note that many do not even have the knowledge that they have a right to appeal,” says one lawyer. “People must understand that a good percentage of those who have been turned down in their first application stand high chances in succeeding to obtain benefits at Appeals levels.”
Each year in Canada, many people apply for Canada Pension Plan disability benefits. Most of the claims are denied initially for flimsy reasons.
Group Insurance Disability plans are no better.
A disability lawyer in Toronto who has vast experience in taking cases against insurance companies believes many employees who pay into group insurance do not have an idea how limited the coverage is.
According to the lawyer, numerous people are devastated when they discover they are not adequately covered when they are fighting with illness or disability.
The culprit, according to lawyers, is the exclusions written in fine print.
We all must understand that as a rule even the biggest names in the insurance space deny claims to boost their bottom lines. Insurance company employees resort to all available tricks of the trade to reject entitlements.
Insurance companies engage in the practice of rewarding employees, who successfully deny claims and replace employees who would not.
In a scenario where everything fails, insurance companies even resort to outright fraud.
Here are some tricks of the trade that insurance companies resort to:
Holding up until death
Insurers know that many policy holders give up after some point of time. One of the most shameful tactics of insurers is to take advantage of insurers’ age and ill-health.
Discriminate by credit score
Increasingly, insurers are leveraging policyholders’ credit scores to dictate what premiums they must pay or even deny insurance to them.
Include obscure clauses
Confusing the consumers is one of the oldest tricks adopted by insurers.
Even though states have enacted laws that insurance companies must use “plain or simple English,” these are more often than not flouted by insurers by using obscure “anti-concurrent” clauses to slip out of paying claims.
There are many more unethical methods insurers employ as any disability lawyer in Toronto will tell you.
It is, therefore, prudent that policy holders must seek professional representation to get their rightful long term disability claim.
Legal representation helps. A lawyer can help an individual by:
• Assisting to complete all the paperwork and applications for the disability claim.
• Integrating all the appropriate medical reports from doctors and specialists.
• Counseling the individual on how to prepare oneself as a witness and testify at hearing.
• Closely monitoring the status of claims.
• Protecting the individuals right for a fair hearing by objecting to objectionable procedures.
The bottom line is policy holders must not give up. They must fight for their rights by all means.
Share Lawyers is a well-known disability lawyer in Toronto committed to protecting the rights of individuals in Ontario. By having an approach enhanced by state-of-the-art technology, the firm is among the best law firms to take up any type of long term disability claim.
“It is intriguing to note that many do not even have the knowledge that they have a right to appeal,” says one lawyer. “People must understand that a good percentage of those who have been turned down in their first application stand high chances in succeeding to obtain benefits at Appeals levels.”
Each year in Canada, many people apply for Canada Pension Plan disability benefits. Most of the claims are denied initially for flimsy reasons.
Group Insurance Disability plans are no better.
A disability lawyer in Toronto who has vast experience in taking cases against insurance companies believes many employees who pay into group insurance do not have an idea how limited the coverage is.
According to the lawyer, numerous people are devastated when they discover they are not adequately covered when they are fighting with illness or disability.
The culprit, according to lawyers, is the exclusions written in fine print.
We all must understand that as a rule even the biggest names in the insurance space deny claims to boost their bottom lines. Insurance company employees resort to all available tricks of the trade to reject entitlements.
Insurance companies engage in the practice of rewarding employees, who successfully deny claims and replace employees who would not.
In a scenario where everything fails, insurance companies even resort to outright fraud.
Here are some tricks of the trade that insurance companies resort to:
Holding up until death
Insurers know that many policy holders give up after some point of time. One of the most shameful tactics of insurers is to take advantage of insurers’ age and ill-health.
Discriminate by credit score
Increasingly, insurers are leveraging policyholders’ credit scores to dictate what premiums they must pay or even deny insurance to them.
Include obscure clauses
Confusing the consumers is one of the oldest tricks adopted by insurers.
Even though states have enacted laws that insurance companies must use “plain or simple English,” these are more often than not flouted by insurers by using obscure “anti-concurrent” clauses to slip out of paying claims.
There are many more unethical methods insurers employ as any disability lawyer in Toronto will tell you.
It is, therefore, prudent that policy holders must seek professional representation to get their rightful long term disability claim.
Legal representation helps. A lawyer can help an individual by:
• Assisting to complete all the paperwork and applications for the disability claim.
• Integrating all the appropriate medical reports from doctors and specialists.
• Counseling the individual on how to prepare oneself as a witness and testify at hearing.
• Closely monitoring the status of claims.
• Protecting the individuals right for a fair hearing by objecting to objectionable procedures.
The bottom line is policy holders must not give up. They must fight for their rights by all means.
Share Lawyers is a well-known disability lawyer in Toronto committed to protecting the rights of individuals in Ontario. By having an approach enhanced by state-of-the-art technology, the firm is among the best law firms to take up any type of long term disability claim.
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