Long Term Disability benefits flow for many disabled claimants with no issue. The insurer may from time to time request a report from a family doctor, questionnaire, or request updated clinical notes and records. The insurer may also request that the claimant see their own “doctor” or “specialist” in order…
Many of our Long Term Disability clients want to know how long term disability cases settle. By this question, what they are really asking is how do they as the client, get paid. Is it a lump sum payment? Is it a monthly benefit that the client will receive for…
Let me tell you a story. It’s about an insurance company which deals with long term disability policies. The size of the insurance company is irrelevant for this story, because most insurers are very similar in their approach. But in fairness, they are not all the same. The insurance company…
Determining how much your case is worth in a Long Term Disability Case can be a bit of a weird science. But, there is a method to what many perceive as madness. Plaintiff side personal injury lawyers would LOVE for your number to be accepted by the long term disability…
If you have been denied long term disability benefits, you are likely wondering what your next steps are. The purpose of this week’s installment of the Toronto Injury Lawyer Blog is to give you some tips on what those next steps are towards getting the long term disability benefits which…
We must admit, long term disability cases can be very strange. Liability and calculating damages is not straight forward like in a dog bite or car accident case. The reason for that is long term disability cases are contractual in nature. That means that they are based upon, and defined…
Buying insurance is more complicated than buying a loaf of bread or a new pair of shoes. For starters, neither bread nor shoes are meant to last a lifetime, nor do they come with a fine print policy or instruction manual explaining what they’re all about. There’s no fine print…
Fibromyalgia is a serious disorder characterized by widespread pain, fatigue, depression, memory loss and other symptoms which vary from person to person. Some doctors believe in fibromyalgia. Some doctors don’t. The same way that some doctors believe that fibromyalgia exists and is a very real and debilitating condition; and other…
Long Term Disability insurance is based on the basic premise that you are too disabled to work, and that you are insured for a percentage of your pre-disability income. This percentage can vary anywhere from as low as 50% to as high as 80%, depending on the wording of the…
The personal injury lawyers here at my law firm, Goldfinger Injury Lawyers have developed a unique term for certain long term disability cases. We call it getting “mathed out“. What does it mean to get “mathed out“? It means that the math is working against you to defeat your claim,…