WHAT CAN CAUSE TERMINATION OF PERMANENT DISABILITY?

The disability insurance has been designed to protect the insurer when they become sick or disabled and can no longer work to generate income. A disability insurance provider can compensate for about 60 to 85 per cent of your lost income. Disability policies differ from organization to organization, and each policy highlights its benefits. Sometimes when you have been receiving long-term disability benefits they can be terminated by the insurance provider. When such a situation arises it is best to reach out to a Long Term Disability Lawyer Toronto. In case your benefits have been stopped, the following are some of the plausible reasons.

There is a time limitation on chronic and mental health conditions

Most of the long-term disability policies have a 24-month limitation on various disabilities which take place due to nervous, psychological and mental impairments. When you are receiving premiums for long-term disability make sure you know about there being any specified time limit.

Failing to apply for disability benefits or social security benefits

Once you have been approved for long-term disability benefits, the policy might need you to apply for social security insurance benefits. This needs to be done because the insurers can take offset social security disability insurance payments against their long-term disability benefits. The Long term disability benefits can be terminated if you fail to apply for SSD Benefits.

Inconsistent with treatment

Another reason why your disability benefits can get terminated is because of the failure to continue with the prescribed treatment. If you are not undergoing the needed treatment, engaging in inconsistent activities or ageing out of the current coverage, are just some of the other reasons why the company can terminate your insurance benefits.

How can a lawyer help?

If you feel that your disability claim has been wrongfully terminated then you should reach out to a long-term disability lawyer. It can be tough to figure out the reason. Once the reason has been figured you would need sufficient information to prove that there has been a wrongful termination of the premium. The lawyer will help you to understand the legal options that are available to you. What would be the best way to proceed. When you have a lawyer by your side, it will help to ensure that you and your rights are protected. The lawyers work with you to get you the compensation that you truly deserve.

Whether it is wrongful termination of insurance or claiming disability, the whole process can be extremely complicated and daunting. When a team of experienced professionals have your back you can be at ease. The lawyer will review the facts regarding your claim and help you to get it approved. They will gather the sufficient information needed. When the premiums have been stopped wrongfully, then it is only imperative that you reach out to a lawyer and book a free consultation. They will provide you with all the help that you need and work with you to make the process easier.

 

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