Long-Term Disability Lawyer Vancouver, BC:
For the insurance industry, long-term disability benefits are a numbers game. It knows that only a fraction of the people suffering a long-term disability will file a claim and that only a small portion of that group will hire a lawyer if the claim is denied.
From there, the industry knows that only a small fraction of the people who hire a long-term disability lawyer will go to trial to get the compensation they rightfully deserve.The companies involved have a lot to gain by denying claims, but just because you’ve been denied doesn’t mean that’s the end of the story. If you’re suffering from a long-term disability (LTD), you should be talking to the long-term disability lawyer Tim Louis.
Tim Louis is a long-term disability insurance claim lawyer, with over four decades of legal experience, who has successfully sued the following insurance companies to protect his clients.
These companies include:
- Cooperators Life Insurance Company
- Desjardins Financial Security Life Assurance Company
- Great West Life now known as Canada Life
- RBC Life Insurance Company
- Sun Life Assurance Company of Canada
- Pacific Blue Cross
- Industrial Alliance
- Trustees of the Healthcare Benefit Trust
- The Board of Trustees of the Transit Employee’s Health and Benefit Trust
Long-term disability is a quality-of-life issue that needs proper recognition and care
Anyone who’s ever suffered some form of long-term disability knows that the effects on one’s physical, mental and emotional state can be traumatic. It affects all aspects of one’s personal well-being, in particular an individual’s family.
Long-term disability and with it the loss of work income and does result in real financial hardship. The distress caused by the denial of long-term disability payments may give you the right to sue for mental distress on top of the long-term disability benefits. Naturally, insurance companies are loathed to pay out on such claims because the costs greatly impact their bottom line.
If you have long-term disability insurance coverage, and if you’re suffering from a debilitating illness or injury, then you deserve compensation. Tim Louis has consistently fought for his clients to ensure they get the long-term disability benefits they legally entitled to.
A long-term disability claim lawyer with more than 40 years of experience
Tim Louis has been representing those who have been denied long-term disability for more than four decades. Nothing is as important as hiring the right lawyer when it comes to a long-term disability lawsuit.
He has successfully sued some of the largest insurance companies in the world on behalf of deserving clients.
He has also appealed the decisions of the Federal government in CPP disability claims on behalf of his clients.
Tim Louis has fought individuals suffering from these conditions:
- Chronic back pain
- Benign brain tumours
- Carpal tunnel syndrome
- Conversion disorder
- Multi-chemical sensitivity
- Chronic fatigue
For seasoned long-term disability and personal injury lawyer Tim Louis, every case is a personal fight on behalf of an important client. He is always accessible, returns call promptly, and starts every case by getting to know the client involved. Tim Louis fights to get the long-term disability benefits you are entitled to from your long-term disability insurance company, so you can look after your health.
Tim’s clients are real people, not file folders, and his ultimate goal is to ensure the best possible outcome for them.
If your long-term disability claim has been denied, call Tim Louis who specializes in long-term-disability
The sad reality is that denied claims are often just an insurance industry tactic to save money, and the policy holder suffers as a result.
Give Tim Louis a call today at (604) 732-7678 for a no-fee telephone consultation, during which he will answer all your questions, no matter how complex. If you have received the insurance claim denial in writing, he will also review the letter and schedule a second no-fee telephone consultation to review and assess that long-term disability claim denial.
The sad reality is that those who suffer from long-term disability, especially when it involves ongoing pain, can be vulnerable to poor decision-making as a result of their disability. They may not be thinking clearly, they may be suffering from related depression, or they may just be distracted by their problems.
In order to get them the help that is due to them, they need a champion in their corner and the best way to get that is to hire a good lawyer, like Tim Louis.
“Oftentimes it’s a relief just to turn the case over to a lawyer so it can be fought vigorously on their behalf,” says Tim. “Just knowing that someone is fighting the battle so they can concentrate on the quality of life issues can be a huge benefit.
“In the end, the insurance companies may have their definition of the bottom line, but at Tim Louis and Company, the bottom line involves a just and fair settlement for each and every client.”
Contact Long-Term Disability Lawyer Tim LouisContact Vancouver long-term disability lawyer Tim Louis today and see how he can help you get the long-term disability claim you deserve today!
Frequently Asked Questions
1. Should I hire a long-term disability Lawyer?
2. What conditions qualify for long-term disability?
If you have a medical or physical condition that prevents you from continuing to work at your current job, you qualify for long-term disability.
3. What happens to long-term disability if you lose your job?
While your long-term disability coverage comes to an end if you lose your job, your long-term disability benefits do not come to an end.
4. How do I appeal a long-term disability claim?
To appeal a long-term disability claim, you need to ask for an application form from your employer. Part of the form requires information in the form of an Attending Physician’s Statement. This gets filled out by the doctor, and depending on the employer’s rules, it is submitted to your employer, who in turn sends it to your insurer, or it goes directly to the insurance company.
5. Can my employer terminate me while on long-term disability?
Yes, an employer can terminate an employee while on long-term disability. You have grounds for a lawsuit against your employer for termination without cause if the employer has not waited long enough for you to recover and return to work.
What is long enough? It depends on how long you had worked for the employer before the long-term disability claim, as well as your doctor’s diagnosis, prognosis and prediction for when you would be able to return to work.
Whether your employer does or does not have grounds to terminate you, this has no impact whatsoever on your right to continue receiving long-term disability benefits and/or payments from your long-term disability insurance company.
6. Are you still employed when on long term disability?
Yes, you are still an employee of your employer while you are on long-term disability, unless your employer has terminated you and you are no longer employed.