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Disability Claims: Overview

The experience of being denied short-term or long-term disability insurance can be a difficult journey requiring perseverance, advocacy, and often additional assistance to navigate the complexities of the insurance and healthcare systems. At Weir Bowen LLP, our lawyers have extensive experience helping guide disabled clients through the complexities of internal appeals of their denial, disability lawsuits, and obtaining other sources of disability income.

Disability insurance is designed to aide financial support to individuals who are unable to work for an extended period due to illness or injury. The main purposes of long-term disability insurance include:

• Income Replacement: It helps replace a portion of your lost income, allowing you to maintain your standard of living while you are unable to work.
• Financial Security: It offers peace of mind by ensuring that you can cover essential expenses, like mortgage payments, bills, and healthcare costs, during a prolonged disability.
• Protection Against Unforeseen Events: Long-term disability can occur due to accidents, chronic illnesses, or sudden medical conditions, and this insurance helps mitigate the financial risks associated with such unforeseen events.
• Coverage for Extended Periods: Unlike short-term disability insurance, which typically covers only a few months, long-term disability insurance can provide benefits for several years or until retirement age, depending on the policy.
• Support for Rehabilitation: Some policies may offer services to help you return to work through rehabilitation or retraining if you are able to re-enter the workforce in a different capacity.

Overall, long-term disability insurance is an important financial safety net for individuals, ensuring that they do not face severe economic hardship due to extended periods of inability to work. Being denied this disability insurance presents a challenging and stressful experience. The above listed benefits of the insurance is typically not available to them through other sources, and many people feel disheartened, especially after putting in effort to document their condition and follow the application process honestly and in good faith.

Navigating denials of disability claims can be daunting, but at Weir Bowen LLP, we're here to help. Our team has extensive legal experience in long-term disability and short-term disability. Whether you're filing a claim, appealing a denial, or facing litigation, Weir Bowen LLP provides personalized assistance tailored to your needs.

Our team at Weir Bowen LLP is knowledgeable in Disability Law and is here to assist you when you are in need. Contact us for personalized guidance and support throughout the claims process.