How To Apply for Long Term Disability
You have made the tough decision to stop working and apply for your long term disability benefits. You have told your employer and you’re collecting the necessary documents to make your disability claim. Now what? You may have questions on how to apply for long term disability benefits that neither your employer nor your insurance company are able or willing to answer. Share is There to see you through and answer your questions.
Tips on how to apply for long term disability benefits
Do
Make sure you file the disability claim in a timely manner to avoid missing deadlines.
Keep records of everything related to your disability case.
Take notes of your conversations with the insurance companies and your doctors and nurses.
Be honest with your doctors when discussing your disability claim.
Be brief when filling out the forms—you don’t want your insurance company to use your words against you and it is better to have your doctor provide the reasons why you need to be off work.
Read your insurance policy. Familiarize yourself with the part of your policy that dictates the proper procedure for filing a claim.
Be honest when filing your disability claim—fraudulent or exaggerated claims can backfire on you, and can even mean serious criminal charges.
Contact Share Lawyers in the event that your claim is denied and arrange a free consultation.
Don't
Don’t sign anything from the insurance company without carefully reviewing it first—it could potentially be used against you during your case.
Don’t cut back working hours—by opting for fewer working hours because of your disability, you could inadvertently give up your disability benefits.
Don’t overdo it or participate in public activities that might be construed as proof that you are not disabled. The insurance companies may document this, with video, and may use it against you.
Don’t file one claim at a time—if you’re disabled in more than one way, don’t let the insurance companies tell you that you can only file one claim at a time. Your policy covers your entire body and all the ways in which it can potentially be disabled.
Don't delay in providing your insurance company with any additional information they need. The more you delay, the longer it will be before you receive a decision.
Don’t settle for less than you deserve.
Don’t delay in contacting an experienced long term disability lawyer. After your claim has been denied, contact us immediately to understand your options. The earlier a lawyer is involved, the better your chances will be of receiving maximum benefits.
How we can support you
When you call Share Lawyers, you’ll speak with someone who knows what you are going through and can offer you the best possible advice at no cost to you.
Why you should contact us:
Free to talk to us
Help with the application process and what you need to submit a claim
Discuss what happens after your claim has been submitted
Prepare you for what to do in the event your disability claim is denied
What should I do if my claim is denied?
If your disability claim has been denied, you might not know where to turn next. You may feel hopeless and unsupported. Unfortunately, your insurance company wants you to feel this way and expects you to give up. However, you are not alone in this.
We can guide you through every stage, from how to apply for long term disability benefits to fighting for and winning your case. Share is There. We have helped thousands of people throughout Canada and we can help you as well.
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Get our Applying for Disability Benefits guide.
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Let us help you apply for long term disability benefits
You’ve taken the right first steps. You’re doing your research and weighing your options. But a lot of unknown factors could still affect how your case is decided. That's where we come in—to show you exactly how to apply for long term disability benefits. With our wealth of experience and track record of helping thousands of people, we’re here to guide you through the process and ensure you get the support you need.
We’re here to support you during this difficult time
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