Long Term Disability Lawyers Vancouver
If you cannot work and your disability insurance company, CPP or WCB are denying you the Long Term Disability, Canada Disability Pension or WCB Pension benefits that you bought and paid for, please give us a call for a free initial consultation. 604-602-3066 or Toll Free 1-866-602-3060
Our fees are a percentage of what we recover for you and you don’t pay any fees unless we obtain compensation for you.
Why Hire a Disability Lawyer in Vancouver
Filing a long-term disability claim can be a time-consuming and extremely frustrating process. With the intricate legal jargon, endless paperwork, and strict deadlines, it’s no wonder that most people have their claims denied or give up altogether. The thought of negotiating with an insurance company is intimidating, especially if you are struggling with an injury, a mental illness, or other disability. The good news is that you don’t have to go through the claim process alone. Hiring a long-term disability lawyer in Vancouver could greatly reduce your stress, increase your chances of success and help resolve your disability claim quickly.
A long-term disability lawyer can help you get the full benefits you deserve. It doesn’t matter whether you are in the process of filing a claim or your claim has been denied.
Hiring a lawyer will reduce your stress levels. You already have enough to worry about, including your finances, health, and medical treatment. The last thing you need when dealing with a disability is additional stress from fighting an insurance company.
When you come to Gertsoyg & Company, our lawyers will review your disability insurance policy to determine your obligations and those of the insurer. Your policy will specify what qualifies as a disability to determine your eligibility to seek benefits.
Our lawyers will help you compile your medical records from a licensed health provider. The records serve as proof that you are not only disabled but also that the disability prevents you from working.
We will gather all the necessary evidence to support your claim. If you don’t have a reliable physician, we will connect you with experienced doctors in Vancouver to write a medical report explaining your disability. We won’t stop until we get you the compensation you deserve.
Long Term Disability Insurance Claims:
Many disability insurance companies as well as CPP and WCB have a policy of denying long term disability claims in the expectation that a large percentage of disability insurance claimants will go away and not pursue the matter further. The claimants who do not give up and hire a lawyer have a much better chance of receiving the benefits they are entitled to.
Disability insurance claimants who have been wrongfully denied disability benefits and are left without any assistance in their time of need, also may have a claim against their disability insurance company for breach of their duty to treat them with utmost good faith, as well as claim for punitive and/or aggravated damages.
Disability Insurance Policies and Critical Illness Policies are ‘peace of mind’ contracts that pay you a portion of your lost income if you become “disabled” from working as a result of illness or injury, and or suffer from a critical illness, specifically listed in the policy.
These can be individual/private plans or policies (paid for privately by the person wishing to be insured) or group plans or policies (paid as part of your employment package).
In most cases, you will qualify for benefits if you are not able to perform the substantial duties of your own occupation for 24 months, and the substantial duties of any occupation after 24 months or have a severe and prolonged disability.
The denial of disability benefits is usually based on the alleged lack of medical proof of your disability and/or lack of medical attendances. Our long term disability lawyers, can request proof of your medical disability from your treating physicians, and if necessary, send you to independent medico-legal specialists to assess and prove your disability.
Life, Accidental Death, and Dismemberment Insurance Claims:
Life Insurance is a contract between an insured (policy holder) and an insurer where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of the insured person.
Mortgage Disability Insurance Claims:
Many lending institutions require you to have this policy. The plan pays the bank if the insured becomes disabled and is unable to work.
House Insurance Coverage Claims:
House insurance covers damage to property, caused by fire, flood and other eventualities, and pays for the cost of replacement, reconstruction or repair of property affected by fire, flood or other types of damage, listed in the insurance policy.
In many of the denials of disability, life, mortgage and house insurance policy, the insurance companies blame the victim. They make allegations of misrepresentation, they claim non-payment of premiums, and they deny compensation based on exclusion loopholes. Sometimes, they even hire private investigators to spy on the very people they promised to help in their time of need. To paraphrase Mark Twain, an Insurance Company gives you an umbrella when the Sun is shining and takes it away when it starts to rain.
If you are denied benefits, you are usually given only 1 to 3 months to appeal the decision in writing, and 1 year to commence court proceedings. As such, it is important to contact a lawyer quickly to obtain a free initial consultation.