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Droit des assurances sociales : vos droits face aux d\u00e9cisions des assureurs<\/p>\n
Le syst\u00e8me suisse des assurances sociales (AVS, AI, LPP, LAA, assurance-ch\u00f4mage, etc.) vise \u00e0 prot\u00e9ger les individus contre les cons\u00e9quences financi\u00e8res de certains risques comme la maladie, l\u2019accident, la vieillesse ou le ch\u00f4mage. Ce domaine est r\u00e9gi par des lois complexes, et les d\u00e9cisions rendues par les assureurs peuvent \u00eatre contest\u00e9es.<\/p>\n
La proc\u00e9dure : de la d\u00e9cision \u00e0 l\u2019opposition<\/b><\/p>\n
Lorsque vous demandez une prestation (par exemple, une rente AI ou des indemnit\u00e9s journali\u00e8res de l\u2019assurance-accidents), l\u2019assureur rend une d\u00e9cision<\/b>. Si vous n\u2019\u00eates pas d\u2019accord avec cette d\u00e9cision, la premi\u00e8re \u00e9tape est de former opposition<\/b>.<\/p>\n
– D\u00e9lai : <\/b>L\u2019opposition doit \u00eatre d\u00e9pos\u00e9e par \u00e9crit dans un d\u00e9lai strict de 30 jours d\u00e8s la r\u00e9ception de la d\u00e9cision.<\/p>\n
– Contenu <\/b>: L\u2019acte d\u2019opposition doit expliquer pourquoi vous contestez la d\u00e9cision et, id\u00e9alement, \u00eatre accompagn\u00e9 de pi\u00e8ces justificatives (rapports m\u00e9dicaux, etc.).<\/p>\n
Suite \u00e0 votre opposition, l\u2019assureur va r\u00e9examiner son cas et rendre une nouvelle d\u00e9cision, appel\u00e9e d\u00e9cision sur opposition<\/b>. C\u2019est seulement cet acte qui peut faire l\u2019objet d\u2019un recours en justice.<\/p>\n
Le recours au Tribunal cantonal des assurances<\/b><\/p>\n
Si la d\u00e9cision sur opposition vous est toujours d\u00e9favorable, vous pouvez la contester devant le Tribunal cantonal des assurances (art. 57 LPGA ). L\u00e0 encore, un d\u00e9lai de recours de 30 jours doit \u00eatre imp\u00e9rativement respect\u00e9. La proc\u00e9dure devient alors judiciaire et l\u2019assistance d\u2019un avocat est fortement recommand\u00e9e.<\/p>\n
Pourquoi un conseil juridique est-il d\u00e9terminant ?<\/b><\/p>\n
Le droit des assurances sociales est technique et souvent li\u00e9 \u00e0 des questions m\u00e9dicales complexes. Un avocat peut :<\/p>\n
– Analyser la d\u00e9cision <\/b>de l\u2019assureur et \u00e9valuer la pertinence des arguments juridiques et m\u00e9dicaux.<\/p>\n
– R\u00e9diger une opposition <\/b>ou un recours de mani\u00e8re structur\u00e9e et convaincante.<\/p>\n
– Mandater un m\u00e9decin-conseil <\/b>si n\u00e9cessaire pour obtenir un avis m\u00e9dical ind\u00e9pendant.<\/p>\n
– Vous repr\u00e9senter <\/b>et d\u00e9fendre vos int\u00e9r\u00eats tout au long de la proc\u00e9dure.<\/p>\n
Le service Avoqa de Urben Avocat\u00b7e\u00b7s<\/i> vous permet d\u2019obtenir rapidement une premi\u00e8re \u00e9valuation de votre situation et des chances de succ\u00e8s de vos d\u00e9marches.<\/p>\n
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Droit des assurances sociales : vos droits face aux d\u00e9cisions des assureurs Le syst\u00e8me suisse des assurances sociales (AVS, AI, LPP, LAA, assurance-ch\u00f4mage, etc.) vise \u00e0 prot\u00e9ger les individus contre les cons\u00e9quences financi\u00e8res de certains risques comme la maladie, l\u2019accident, la vieillesse ou le ch\u00f4mage. Ce domaine est r\u00e9gi par des lois complexes, et les […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"\r\n
This is a sample page.<\/b><\/p>\r\n\r\nOverview<\/h2>\r\n\r\n
Our refund and returns policy lasts 30 days. If 30 days have passed since your purchase, we can\u2019t offer you a full refund or exchange.<\/p>\r\n\r\n
To be eligible for a return, your item must be unused and in the same condition that you received it. It must also be in the original packaging.<\/p>\r\n\r\n
Several types of goods are exempt from being returned. Perishable goods such as food, flowers, newspapers or magazines cannot be returned. We also do not accept products that are intimate or sanitary goods, hazardous materials, or flammable liquids or gases.<\/p>\r\n\r\n
Additional non-returnable items:<\/p>\r\n\r\n
To complete your return, we require a receipt or proof of purchase.<\/p>\r\n\r\n
Please do not send your purchase back to the manufacturer.<\/p>\r\n\r\n
There are certain situations where only partial refunds are granted:<\/p>\r\n\r\n
Once your return is received and inspected, we will send you an email to notify you that we have received your returned item. We will also notify you of the approval or rejection of your refund.<\/p>\r\n\r\n
If you are approved, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within a certain amount of days.<\/p>\r\n\r\n
If you haven\u2019t received a refund yet, first check your bank account again.<\/p>\r\n\r\n
Then contact your credit card company, it may take some time before your refund is officially posted.<\/p>\r\n\r\n
Next contact your bank. There is often some processing time before a refund is posted.<\/p>\r\n\r\n
If you\u2019ve done all of this and you still have not received your refund yet, please contact us at {email address}.<\/p>\r\n\r\n
Only regular priced items may be refunded. Sale items cannot be refunded.<\/p>\r\n\r\n
We only replace items if they are defective or damaged. If you need to exchange it for the same item, send us an email at {email address} and send your item to: {physical address}.<\/p>\r\n\r\n
If the item was marked as a gift when purchased and shipped directly to you, you\u2019ll receive a gift credit for the value of your return. Once the returned item is received, a gift certificate will be mailed to you.<\/p>\r\n\r\n
If the item wasn\u2019t marked as a gift when purchased, or the gift giver had the order shipped to themselves to give to you later, we will send a refund to the gift giver and they will find out about your return.<\/p>\r\n\r\n
To return your product, you should mail your product to: {physical address}.<\/p>\r\n\r\n
You will be responsible for paying for your own shipping costs for returning your item. Shipping costs are non-refundable. If you receive a refund, the cost of return shipping will be deducted from your refund.<\/p>\r\n\r\n
Depending on where you live, the time it may take for your exchanged product to reach you may vary.<\/p>\r\n\r\n
If you are returning more expensive items, you may consider using a trackable shipping service or purchasing shipping insurance. We don\u2019t guarantee that we will receive your returned item.<\/p>\r\n\r\n
Contact us at {email} for questions related to refunds and returns.<\/p>\r\n","_et_gb_content_width":"","footnotes":""},"dipi_cpt_category":[],"class_list":["post-29677","page","type-page","status-publish","hentry"],"yoast_head":"\n