Hearing the words “we regret to inform you that your long-term disability benefits have been denied” is certainly reason for concern.  But not reason to panic.  At Horowitz Injury Law we have almost 35 years of experience in advancing long-term disability benefit cases to help disabled workers get the compensation they deserve to cover lost income.

Long term disability cases are complex.  They are often subjective in terms of someone deciding on your behalf whether you can or cannot work.  This decision is often left up to doctors, your insurance company and perhaps your employer.  If you have been denied long-term disability benefits, you may be able to file suit against an insurance company for denying the benefits or due to a breach of contract.  In the case of injuries sustained from motor vehicle accidents, you may have to prove that such injuries and pain and suffering prevented you from performing your duties on the job.

Your family doctor who knows your medical history and personality may be able to help prove your medical condition if it is in question.  He or she will also refer you to the right specialists to ensure that adequate medical care is provided and that the right tests are being done to assist you on your road to recovery.  It is important to keep an accurate and up-to-date record of all medical treatment received and if possible, the results of each test.

Long-term disability benefit cases can be complex.  At Horowitz Injury Law we will ensure that your injuries or disabilities are properly documented and that you receive medical assessments by leading physicians to ensure that specific tests are addressed in accordance with your insurance policy, and that an informed and responsive opinion is provided.  Insurance companies often agree to pay outstanding arrears and reinstate benefits but we are also able to negotiate settlements which have your long-term needs in mind.

At Horowitz Injury Law we have extensive expertise in representing people who have been denied long term disability benefits, either through group or private policies.  Being unable to work, resulting in a loss of wages, can have dire financial implications on your health and well-being; not to mention the impact on your family.  We do not require any upfront fees.  We will do everything possible to settle your claim outside of court, but if that is not possible, we have nearly 35 years of experience and expertise to take your case to trial to ensure you receive fair compensation.  Call us today at Horowitz Injury Law for a free consultation, at 416-925-4100.