Torontonians become disabled or injured through no fault of their own and it may be necessary to hire an attorney to help them settle their cases with their insurance. This article is designed to act as a directional tool on how to go about seeking legal assistance. Be advised that the author is not an attorney and this is not to be construed as legal advice; please seek a competent attorney if you have an injury or disability claim.
There are several topics that need to be addressed if you are going to seek a Toronto injury disability lawyer. First and foremost, you need disability insurance, a plan that you can either take out yourself or, more typically, that’s offered through your workplace. Disability insurance in Ontario provides an income replacement or sometimes mortgage payments in the event that the development of a long term disability prevents you from working. Benefits offered by the Canada Pension Plan are limited and still depend on your past CPP contributions; it can be a good idea to get extra coverage if it’s not already offered through your workplace. However, if your claim is denied, you should take the following steps to make sure that you receive the coverage you deserve.
#1 Free Consultation
A free consultation will give you and the attorney the information needed to know whether or not you have a case and if it's worth proceeding on. Look for an attorney who will make appointments on evenings, weekends, or visit you in the hospital to consult with you on your claim, something offered by Toronto firm Blackacre Law. You should also seek an attorney that will take you on at no cost until the claim is settled or won. As we all know, when you're prevented from working it's tough to pay your normal bills, let alone attorney fees.
#2 Lawyers Who Speak Your Language
In a large metropolitan area like Toronto, there are hundreds of diverse cultures from around the globe. If English is not your first language, or you’re looking for advice on behalf of a relative who speaks Cantonese, Mandarin, Arabic, Farsi, or Dari, Toronto disability lawyers like Blackacre Law can help in your loved one’s first language. You need to be able to explain your point of view to your attorney and speaking the same language will go a long way.
#3 Proving Your Case
Finally, your Toronto disability lawyer will have to refute the insurance company’s accusations by providing evidence of your job search or evidence of your condition. That means providing medical records of your diagnosis, prognosis, and treatment, proving that you’re doing everything within your means to get better and earn an income. When it comes to conditions like chronic pain and fibromyalgia, or psychological disorders like depression and anxiety that can prevent you from working, insurance companies sadly find it easier to challenge you. Law firms like Blackacre Law know what evidence works and what you need to do to prove your claim. If you’re not sure why your insurance claim has been rejected, contact a Toronto injury disability lawyer right away.