No!

It’s unfortunately very common for disability insurance companies to deny your claim and cut off your benefits because they think you can go back to work, even when you and your doctors know you won’t be able to manage it.

But you don’t have to just accept this. When LTD insurers make mistakes (or “mistakes”), they need to be set straight.

There’s where a local LTD denial lawyer comes in. Often just the serious threat of a lawsuit from a firm that specializes in LTD disputes like Nolan, Ciarlo LLP can prompt an insurance company to reconsider an unfair decision.

No, actually: our initial conversation is free and no obligation.

From there, you should be skeptical of any firms that try to give you a simple or too-good-to-be-true answer to this question! The reality is: it depends.

In some cases, we may be able to point you in the right direction for free during our initial conversation. In other cases, you may need our help on an ongoing basis to negotiate a settlement or fight an unfair denial. We don't take a one-size-fits-all approach in these cases. We'll make sure our fees are fair, reasonable and transparent in every case, depending on the risk and complexity of your case and how far we have to fight it.

For most LTD cases we take on, we operate on a deferred-fee basis, which means we don't get paid until the end of your case.

In all cases, we make sure that there are no surprises when it comes to our bills. You'll understand how the legal costs will work in your particular situation before you make any decisions about how to proceed.

The best way to find out about the legal costs expected in your particular case is to give us a call or request a free callback from one of our insurance denial lawyers. We look forward to speaking with you!

Probably. You usually have a maximum of 2 years to dispute an insurance company's denial of your benefits. But it's not always straightforward to figure out when that 2-year clock starts running, and there can sometimes be earlier deadlines that you should keep in mind.

So the general rules is that you should seek legal advice as early as possible so we can identify any important deadlines and make sure your rights are protected.

It's helpful if you can include in your message any key dates, including when you first applied for benefits, when you stopped work, and when your claim was denied (if applicable).

But don't worry - you don't need to include every single detail right now. We will fill in any blanks when we speak.

Yes.

All of our LTD lawyers are available for virtual meetings on popular video conferencing apps like Zoom. So you can get expert, personally-tailored legal advice from the comfort of your own living room.