How Much Does it Cost to Hire a Disability Lawyer?

We’ve seen it time and time again. Claimants receive the phone call or letter notifying them of their impending termination of disability benefits.  You’re fine to go back to work, they say. You’re not sick enough to stay home – or your condition has improved – they say. They might have a “medical assessor” look at  your file and based on a paper medical review, the insurance company doctor will suggest that benefits should be terminated. We get that at first you are stunned, then convinced some kind of mistake has occurred. You start to panic, and try to get a hold of your adjudicator, the insurance company, your HR department, insurance agent – someone who will listen…to no avail. You can forsee that you and your family will soon be in financial trouble. Should you call a disability lawyer?  How much will talking to a disability lawyer cost me? Even more important, how much will it actually cost you to hire a disability lawyer ? You continue to panic because you know that your personal funds will soon be depleted.

As experienced disability lawyers we can be an asset to you in obtaining or recovering your disability benefits. If your claim has been denied, our Hamilton disability lawyers will review your case  to determine the proper routes appeal.  Matt Lalande has been litigating disability claims since 2003 and has recovered millions in wrongfully denied disability benefits for claimants Province-wide. If you need help with your disability benefits, call us nationwide at 1-844-LALANDE or local in the Hamilton / GTA area at 905-333-8888 to get  your long-term disability claim started today.

How much does it cost to speak with our disability lawyers?

100% of our Consultations with Disability Claimants are Free. When you contact our disability lawyers we will schedule an in-person office meeting, phone meeting or a virtual video meeting to discuss the facts of your case – for free. You will never pay to talk to us about your case. When your call is scheduled, please make sure to have all the relevant information ready to discuss with us, including where you worked, how long you have been off on disability, a summary of your medical condition, whether your disability policy is a group or individual policy, and a copy of your denial letter that was sent to you by your disability insurance company.

Your first steps in meeting with our disability lawyers

After you’ve arranged a consultation, the first step is to make sure you have your disability policy handy to discuss with our disability lawyers.   If you purchsed an individual policy, please call your broker for a copy of your policy. If you are a part of a group employment plan, please speak to your benefits administrator. Don’t rely on your disability insurance company to find or produce the policy.  It is important that we have a copy of your disability policy, especially if it was purchased some time ago. Disability Policies have changed quite dramatically in the past several years so it is important that we review the individual particulars of your policy in order to provide you the best advice we can.

How do Disability Cases Resolve?

It’s important to understand the disability process prior to understanding how legal fees are structured.  There are two ways to settle a long-term disability case – reinstatement or lump sum.

When we claim that your benefits were wrongfully denied, we will be asking a Court for a declaration – meaning that we want the Court to order that you satisfy the definition of “Total Disability” in your policy.  We want the Court to essentially “declare” you disabled and that your benefits should be reinstated.  If the insurer agrees to do reinstate your benefits, then some or all arrears or past benefits owed will be paid to you, and your future benefits will be reinstated on a monthly basis as they were prior to termination, subject to all normal terms of the policy, with the potential for being cut off in the future again.   If a lump sum settlement occures at any point during the claim, the insurer will pay some or all of the arrears, prejudgment interest and an agreed amount for the future risk of the insured remaining disabled, in exchange for a full and final release of all obligations under the policy.

How much will it cost me to hire a disability lawyer?

Absolutely nothing unless we win your case.

Our disability lawyers work on contingency – meaning that we don’t charge you anything up front and we will not send you a bill until the case is settled, or a verdict is reached in court.  If we cannot reach a settlement or we lose your case, you will not have to pay us for our legal services. A contingency fee basis means that your disability lawyer will charge you a percentage of the settlement you receive when you are successful. This is also known as a no-win, no-fee retainer agreement.  The agreement will be explained in full and provided to you in writing, so rest assured that there will be no additional hidden fees throughout the process. We are always transparent about the process in order to maintain clear, efficient communication with all of the clients we represent.

The major benefit to proceeding by contingency is that you do not have to pay our disability lawyers upfront. You gain access to justice and have the benefit of accessing our disability lawyers with no upfront cost.   There is also incentive and motivation for your disbility lawyers to do the utmost on your case to win.  Another advantage is to using a contingency fee arrangement with your disability case is that if the case does work out, you do not have to worry about paying legal fees to us.  (although you may still be responsible for some administrative costs). This may provide some people with peace of mind–if the lawyer is willing to risk not collecting a fee for the work they put into things, you probably have a good chance of winning your case.

What if the Insurance Company Agrees to Reinstate your Benefits?

If we are successful at getting your benefits reinstated and a settlement is not achieved in your case, typically the insurer will provide full or partial payment of our legal fees, based on an hourly basis.

Out of Pocket Costs (Disbursements)

During the course of representing you, our law firm will likely incur costs that are called “disbursments”.   Disbusements are expenses incurred by our disability lawyers for the purposes of advancing the plaintiff’s claim.. Such disbursement that are often incurred are (for example) the costs of filing your claim, your hospital records, therapists records, doctor records, employment records and other such documents needed to prove your case.  In addition, we will likely incur costs for paying specialists to review your file to provide us with an independent medical opinion or other types of opinions required. For example, if you suffer from serious mental health issues that prevent you from maintaining a job, we often will retain the services of a psychologist or psychiatrist to prove your disability, as well as a vocational expert to assess your work intolerances based on the opinion of the psychologist or psychiatirist.

Some firms will require you to provide payment of disbursements no matter if you case is won or lost. With our firm, and with disability cases only, we do not require such a guarantee. If we lose the case, we will absorbe the costs of your disbursements and you will owe us nothing.

Our Hamilton Disability Lawyers Represent Claimants all over Ontario

If you’ve been denied disability, it’s important that you work with an experienced disability lawyer in order to advance your case through the claims process A disability specialist will no doubt provide you with the best chance to obtain the reinstatement or settlement of your disability benefits. The first step is always a free consultation with our legal team, where we will inform you of your legal rights, the options you may choose from, or the course of action we believe is necessary to recover your benefits.  Call us today – nationwide at 1-844-LALANDE or local at 905-333-8888 to speak with us today – and remember, Lalande Disability Lawyers will never ask our new or existing disability clients for any money up front.

 

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