LTD Denials and How Van Dyke Law Can Help
Common Reasons for Denied Claims and Our Response
A claim denial doesn’t mean the fight is over. A Napanee LTD lawyer can guide you through appeals and explore alternate benefit options when necessary. Denials often arise due to:
Insufficient Medical Proof
Insurers may claim your documentation doesn’t clearly show why you can’t work.
Our Solution: We work directly with your healthcare team to collect comprehensive records, assessments, and expert opinions.
Narrow Policy Definitions
Some insurance policies demand that you prove you cannot perform any job, not just your previous role.
Our Solution: We examine your policy closely to challenge unfair wording and advocate for a realistic view of your limitations.
Missed Deadlines or Errors
Strict submission schedules or incomplete paperwork can result in technical rejections.
Our Solution: We manage your paperwork from start to finish, ensuring deadlines and requirements are met without errors.
After a Denial: The Appeals Process in Napanee
Challenging a denial is more than simply resubmitting a form. We take a structured approach in:
- Reviewing the insurer’s reasoning in detail
- Gathering additional evidence or missing documentation
- Preparing a complete and timely appeal
- Managing every step of communication with the insurer
Each appeal is customized, well-documented, and time-sensitive to maximize your chance of success.
Why Napanee Clients Choose Van Dyke Law
For over three decades, we have helped Ontarians stand up against insurance companies and reclaim the benefits they deserve. Whether you are facing a complex claim or a persistent denial, we understand what’s at stake and are committed to helping you rebuild stability in your life.
Get the Help You Deserve
If your long-term disability claim has been denied, you do not have to fight alone. Van Dyke Law offers free consultations and operates through a contingency fee basis; we won’t accept payment until you receive proper compensation.
