LTD Insurance – Denials – Vancouver
Long Term Disability – Has the Insurance Company Rejected your Claim?
Have you applied for Long Term Disability (LTD) insurance? Has the insurance company said “no” to you? At Bungay Law Vancouver, we never accept “no” from any disability insurance company. Our experienced legal team has been helping people like you get their claims approved for over 15 years.
The Insurance Company is not your friend
Insurance companies make money by saying “no”. They do not make money by saying “yes” to your application for benefits. This means that getting your disability benefits can be an uphill battle. In order to get your claim approved, an experienced disability lawyer can even the odds for you and fight the insurance company on your behalf.
Downtown Vancouver Disability Claims Lawyers
Call us today for a free consultation 604-684-4300
We also have offices in Surrey and Abbotsford:
Surrey Disability Lawyers – Abbotsford Disability Lawyers
LTD Claims – How We Fight For You
At Bungay Law, there are many ways we can fight for you to get your claim approved. The first thing we do is commence legal action against your insurer. This means we sue them on your behalf. Sometimes, if an insurance company is ignoring you, they need a wake-up call. By serving them with legal documents, and suing them, we give them notice that it is time to wake up and take your case seriously.
Once we start suing the insurance company, their costs go up. They have to hire their own legal team to take us on. This helps pressure the insurance company to consider paying out your claim. Often it is more cost-effective for the insurance company to pay your disability claim rather than try paying the legal costs to fight us. Because we apply this pressure, often, the insurance company will cave in and pay your disability benefits.
We make sure your disability is understood
At Bungay Law, we make sure the insurance company understands how serious your disability really is. Often, your claim is denied because a lower-ranking official with the insurance company makes a bad decision. This person may not have much authority, and they likely do not really understand the medical nature of your condition.
We make the insurance company understand by getting the right information to the right people. In other words, we make sure the proper evidence is given to someone at the insurance company who is higher up the chain who can make better decisions. Once we take on your case, the disability insurer knows they need to look more carefully at your claim.
At Bungay Law, we make sure proper testing is done on your body. Often, insurance companies deny claims because they believe you are physically capable of working. In order to prove them wrong, we arrange physical tests for many of our clients that will assess your physical or mental abilities. The results of these tests often prove that you are not, in fact, capable of doing your job. We then submit the results of these tests in support of your disability claim. Often, this is enough to convince the insurer that your LTD claim should be approved.
Downtown Vancouver Disability Lawyers
Call us today for a free consultation 604-684-4300
We also have offices in Surrey and Abbotsford:
Surrey Disability Claims – Abbotsford Disability Claims
At Bungay Law, we also hire medical doctors to properly explain your condition to the insurance company. Many times, the conditions a person is suffering from are very complex. The medical community may not fully understand your suffering or condition. Even your own family doctor might not appreciate what is going on with you. When this happens, we arrange for a specialist to meet with you and provide a summary of your impairment. This specialist can also explain why you cannot work. In doing this, we provide the insurance company with the evidence they need to approve your case and payout your claim.
Helping you respond to letters and appeals
At Bungay law, our disability specialists help you with any letters denying your case and any appeals to the insurance company. Many people who are rejected get letters asking them to submit new information or offering an appeal process. In our experience, it is generally a mistake for someone to try and do that without getting help from a disability lawyer. If you get a rejection letter, at that point, the insurance company is putting you on notice that they do not take your case seriously. They are basically telling you it will now be an uphill battle to get your benefits.
As your lawyers, we will respond to these letters and appeals on your behalf. Our team will look very carefully at the denial letter to examine what information, specifically, the insurance company wants in order to approve your case. Often, what the insurance company wants is very detailed medical evidence which you may not be able to provide. We can respond to these letters by getting your complete medical history, getting tests you may need, and giving the insurance company very specific details on your disability. We also make legal arguments when responding to denial letters from the insurance company. Our disability team uses our legal and medical expertise to make sure the insurance company gets the right information needed to approve your case.
We find out what they are thinking
At Bungay Law, we find out what the insurance company is really thinking when they deny your disability claim. They do not usually tell you every reason they are really denying your case. By using the power of the legal system, we obtain copies of the internal notes and file from your disability insurer. Our disability legal team then carries out a thorough analysis of the internal records and behind the scenes communications from the insurance company. These insurance company records often give specific details as to the real reason why your claim is being denied. Our team then obtains evidence to address the real concerns of the insurance company. By doing this, we can often force the insurance company to say “yes” to approve your benefits.
Free Consultation – No Fee Unless You Win
Many people with disability insurance claims do not want to hire a lawyer. This is because lawyers are usually known to be expensive. This is not the case at Bungay Law. We give a free initial consultation to anyone who has been denied long term disability benefits. This means we can meet with you and talk for an hour, free of charge. We review your records and any letters from the insurance company and give you an initial legal opinion about your case, free of charge.
If you choose to hire us for your disability claim, there are no upfront fees. If we take on your case, we pay the costs of any medical specialists you need to see, and any legal expenses. We get all of these costs back from the insurance company once your case settles.
If we win your case and get you a disability payout, our fee will be a smaller percentage of what you win. If you do not win, and you end up getting no money, we do not take any legal fee. However, 90% of the time, our experience is that we can win your case and force the insurance company to pay your disability claim.
Downtown Vancouver Disability Claims Lawyers
Call us today for a free consultation 604-684-4300
We also have offices in Surrey and Abbotsford:
Surrey Disability Lawyers – Abbotsford Disability Lawyers
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