LTD Insurance – Denials – Surrey
Long Term Disability (LTD) Insurance: Has your claim been denied?
Do you have a disability insurance claim that has been rejected by the insurance company? If yes, Bungay Law can assist. We have over 15 years of experience in Surrey and the Fraser Valley dealing with insurance companies who deny disability claims. Our experienced team of lawyers are here 24/7 to make sure the insurance company pays you the money you deserve.
Why has your claim been denied?
Most people with disability claims are denied by insurance companies after they apply. The question that everyone wants answered is “Why has my claim been denied?”. The answer to that question is usually as follows: “The insurance companies are in the business of making money. When your claim is approved, they lose money. When your claim is denied, they save money.” It is important to remember that the insurance companies are not on your side.
Surrey Disability Lawyers
Call us today for a free consultation 604-512-0301
We also have offices in Vancouver and Abbotsford:
Vancouver Disability Lawyers – Abbotsford Disability Lawyers
The insurance company employees are paid to make sure claims are only approved in very rare circumstances. The agents handling your case have bosses at the insurance company who watch what they do. Thus, the agent handling your case is likely thinking of what their boss may or may not think if they approve your claim. These agents face tough rules and guidelines that have to be met before a claim can be approved.
More Information: Surrey Disability Appeals Lawyers
Insurance Company Rejecting your paperwork/application
It is common for insurance companies to routinely reject the paperwork you submit as part of your disability application. Why is this? There are various reasons for this. One of the reasons is because the forms are given to you by insurance companies often do not allow enough space for you to adequately set out all of the details of your disability. There may only be a small space on the paperwork where you can only set out very brief details about your health and disability. This is very unfair because the real story about your disability is often long and complex.
An employer often hurts your chances of getting disability insurance
In many cases, the employer hurts your chances of getting disability insurance approval. As part of most LTD applications, the employer must submit a form that supports your claim for disability insurance. Of course, not every employer is on board with that plan. Sometimes, the employer is resentful or does not believe you are disabled. In those cases, the paperwork the employer submits to the insurance company can harm your chances of getting disability insurance.
A doctor may not be helpful
In many cases, your family doctor may not be helpful in getting your disability insurance claim approved. There are many reasons for this. One reason is that most doctors are very busy, and some of them may not take the time needed to fill out your application paperwork correctly. Other reasons may be that you do not have a regular family doctor. In those cases, you may be left to deal with a walk-in clinic doctor who does not know your medical history and cannot properly fill out the forms.
Remember, in order for your disability insurance claim to be approved, you must have the support of your family doctor. If you do not have a supportive family doctor, or if the doctor is not giving enough attention to your case, this can lead to your disability insurance claim being denied.
How can we help you win your case?
At Bungay Law, there are many ways we can help you win your case. The first way we can help you is by making sure you have the right evidence to ensure your claim is approved. Insurance companies look at evidence of your disability when making a decision to pay you. In order for the claim to be paid, the evidence the insurance company gets must be laid out correctly and thoroughly. Our legal team knows exactly how to present the necessary evidence in a way that the insurance company understands.
First, we obtain your complete medical history. In most cases, the insurance company does not have all the medical information they need to approve your disability claim. We make sure that we obtain all of your important past medical records. Once we get that information, we review it very carefully. Using this information, we then prepare a detailed legal argument for the insurance company. We then submit this to the insurance company and quote all of the evidence needed to make sure your disability insurance claim is approved.
More Information: Surrey Disability Settlements Lawyers
Surrey Disability Claims
Call us today for a free consultation 604-512-0301
We also have offices in Vancouver and Abbotsford:
Vancouver Disability Claims – Abbotsford Disability Claims
We get experts to prove you are disabled
At Bungay Law, we have relationships with many independent medical experts who specialize in disability claims. In many cases, a disability claim is rejected because the insurance company uses its own doctors (who usually say you can work, even if you can’t). In order to fight this, we send you an assessment with one of our own medical experts. These doctors give you a complete medical assessment and test your actual functioning. By using the results of this testing, we can prove you are disabled. Once we prove that, we show the insurance company these new medical results and we demand that your claim be approved.
Making sure your Doctor is Helpful
At Bungay Law, we try and make sure your doctor is helping your case instead of harming it. Often, doctors do not fully understand the kind of information the insurance company needs to approve your claim. Your doctor may believe you are disabled, but may fill out the forms provided incorrectly or not in a detailed enough way. To be fair to the doctor, sometimes the questions asked by the insurance company are not clear, so it is hard for the doctor to answer the questions properly.
Our experienced legal team works with your doctor to ensure that he or she is asked the right questions. We send them a request with detailed questions so the doctor fully understands the evidence that is needed for your LTD claim to be approved. The doctor gives us written answers to our legal questions, and we then submit these better answers to the insurance company.
What if your doctor is not supportive? We can help.
Sometimes, a family doctor may not be supportive of your case. This may be because the doctor is too busy, or maybe the doctor does not fully understand your health history. If you are unable to have a good relationship with your doctor, or if you cannot find a doctor, we can assist in finding you a new family doctor.
While we do not have a personal relationship with any doctor, we do keep a list of clinics with doctors who we know accept new patients. In this way, we can help you find a new doctor if necessary. This can often help our clients find someone more understanding of their claim, and ultimately, this can lead to your LTD claim being approved instead of being rejected.
We make sure you have the right witnesses
Having the right witnesses supporting your claim is a very important part of getting your LTD insurance approved. As part of your initial application process, the insurance companies do not tell you this. They do not tell you this because they do not want your claim to be approved. However, getting properly written witness statements, reviewed by a lawyer, is an essential part of making sure you get your disability insurance payment.
At Bungay Law, we have 15 years of experience interviewing witnesses and obtaining statements on behalf of our clients. We know what evidence is needed to convince the insurance company to pay your LTD claim. For example, if your employer is not supportive, we can obtain witness statements from your co-workers to detail the struggles you had with your job. Similarly, we get witness statements from your family and loved ones that detail your health problems. In this way, we ensure your disability insurance claim gets a thumbs up, instead of a thumbs down, from the insurance company.
We sue the insurance company
If your disability insurance claim is rejected, and your insurance company is being unreasonable, we do not take “no” for an answer. If that happens, we sue the insurance company on your behalf. In other words, we file legal documents setting out how you have been mistreated, and we set a date for a trial in Court. Most of these claims settle, even if we do not go to Court. However, by suing the insurance company, we let them know we mean business. Once we sue the disability insurance company, they start incurring more costs. The insurance company then has to start paying their own lawyers to defend against us fighting them. Insurance companies hate doing this because they do not want to lose money. In our experience, they would usually rather approve your claim and pay you instead of fighting in Court. By pressuring the insurance company in this way, we maximize your chances of getting your LTD claim approved.
More Information: Surrey Disability Claims Lawyers 
Surrey Disability Lawyers
Call us today for a free consultation 604-512-0301
We also have offices in Vancouver and Abbotsford:
Vancouver Disability Lawyers – Abbotsford Disability Lawyers
Overall rating of Google reviews – Surrey Location
4.7 out of 5 STARS
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