Not all disability insurance lawyers have the experience of having worked for insurance companies. I spent over a decade successfully defending insurance companies, learning how large insurance companies think and act — now I use that experience to help people at some of the most difficult times of their lives.
When you are living with an injury, you deserve to see the system that’s been put in place to help working at its finest, even if it needs a little help along the way — a little push in the right direction, you could say, from a lawyer like me.
Do I Need to Hire a Disability Insurance Attorney Near Me?
In a perfect world, no one would need to hire a lawyer in order to receive their full LTD benefits. Unfortunately, it’s not a perfect world, and there are some hard truths we have to acknowledge about insurance companies:
- Insurance companies are a business, and their goal is to make a profit.
- Making a profit means keeping expenses, including benefits payouts, as low as possible.
- The longer a claim takes to resolve, the more expensive it is, so settling for a low amount as fast as possible keeps profits high.
- Some people try to defraud insurance companies, and insurance companies have to be on the lookout for untrue claims.
Sometimes, good people who deserve the benefits they’ve applied for are caught in the trap of insurance company tactics. It’s not that every person who works for an insurance company is a heartless goon out to make your life miserable, but a business model that works on algorithms aimed at maximizing profits and minimizing loss does not always have room for reaching out and seeing the human element.
Having a disability insurance claim attorney on your side who works closely with you, knows who you are, and sees your situation is immensely helpful. It’s especially helpful when that lawyer knows how to make the same information visible to insurance adjusters too.
What Are the Most Common Disability Claims?
Receiving disability benefits is crucial for many Canadians who live with disabilities, whether short-term, long-term, or permanently. According to the Canadian Survey on Disability Reports published in 2018, 22 percent of the Canadian population aged 15 years or older — about 6.2 million people — has one or more disabilities. Only 31% of people with severe disabilities were employed. For many Canadians with disabilities, especially those with children or those living alone, the risk of poverty is high.
Disability benefits are one way to ensure that people who are injured — and their families — can receive the care they need, including basic necessities. While people of all walks of life can be impacted by a disability that prevents them from living the kind of life they did before their injuries, the types of injuries vary:
- Traumatic brain injury
- Spinal cord injuries
- Motor vehicle accident injuries
- Psychological injury
- Mental illness
- Slips and falls
- Bicycle accidents
- Pedestrian injuries
- Sports and recreation injuries
When Should I Talk to a Disability Insurance Lawyer?
You should contact a disability insurance claim lawyer as soon as possible to maximize your chance of success. When you first contact a disability insurance attorney about your long-term disability claim or denial, you may feel like you are being interrogated or forced to prove your injury right off the bat, no matter how kind or personable the disability insurance law firm representative is when speaking with you.
We understand you have been through a lot before ever getting to the point when you are seeking a lawyer, and we want you to know that the questions asked in your initial intake are general questions designed to help us help you. At my firm, your intake will be conducted by one of my law clerks, who will pass on your information to me to review.
If your intake indicates that you might benefit from legal representation, you will be asked to schedule a longer consultation with me. I’ll ask you to share more of your story with me, and together we can talk about your options.
How Can a Disability Insurance Lawyer Derek Wilson Help?
Whether you are just starting your claim or have been denied, LTD lawyers are one way to maximize your chance of a successful claim with maximum compensation. While insurance companies may try to expedite your denial, an experienced law firm like Derek Wilson can work to expedite your positive outcome.
According to the U.S.-based Insurance Research Council, claimants represented by attorneys walked away from negotiations with settlements that were 40 percent higher than those without an attorney. Insurance adjusters’ tricks just do not work the same on lawyers, especially not on those of us who know their tricks. Not to mention, you are focused on living your life, recovering from your injury, and trying to have the best quality of life possible. Let us handle the paperwork Olympics.
Call us at 855-769-0418 or get in touch online to schedule a free consultation. We are committed to always having your best interests in mind in order to help you and your family stay focused on healing.