Disability insurance is a benefit that few of us hope ever to use. In reality, however, many of us do. In fact, one in three people will experience disabling medical symptoms for 90 days or longer at least once before age 65. Circumstances, an illness, or an accident may leave us unable to work. It can be a very stressful time.
Accessing Disability Insurance
Like most insurance products, long term disability insurance is an important safety net, one that should provide peace of mind. It provides financial support for an employee when that employee can no longer work. A self-employed businessperson or professional will often purchase a private disability policy that will pay them if they can no longer work.
Many people put a lot of faith in their disability insurance, believing it will be there for them should the unexpected happen - the diagnosis of a new or worsening medical condition. You have been paying a portion of your salary to these benefits and they are being set aside for this purpose. Yet, as you may have already discovered, the road to a successful disability claim can be long and arduous and can often lead nowhere.
If you are reading this blog, chances are you may have received a denied disability claim. You may be unsure of your options and confused about what steps to take next. You may also find the process daunting. You may even feel jaded, perhaps ready to concede defeat. Don't give up! There are options available to you.
How Many People Feel When Denied Their Disability Benefits
If you find yourself needing to go off work, you may be wondering, “Why me?” You may also be asking yourself, “How am I going to cope?” You may be under the care of one or more physicians. You may be struggling with your day-to-day activities, such as getting to a doctor’s appointment or collecting a prescription from the pharmacy. You may even find getting out of bed to be difficult. If you are unable to work, you are most likely worried about financial responsibilities, such as making your mortgage payments and providing for your family.
Being Denied by the Insurance Company is not a Unique Experience
The insurance industry is big business and a formidable adversary, which is why you need to both understand your legal rights and take advantage of the professional resources available to you. Most important, you should not presume, because your claim has been denied, that your disability insurance claim is without merit.
The long term disability lawyers at Share Lawyers have helped over 7,500 people across the country over the last 35 years secure the benefits that were initially denied. If you’ve been denied, don’t lose hope. There are a number of resources available to help you move forward with your claim.
You can visit our Denied Disability Benefits page to learn even more and see our recommended next steps if you have been denied. Our long term disability lawyers also recommend that you take our short quiz to determine if you have a disability denial case.
Questions? Contact the long term disability insurance lawyers at Share Lawyers. Our 35+ years of experience in long term disability (LTD) law can help you win your case against Canada Life, Desjardins, Manulife, RBC Insurance, Sun Life, and other insurance companies. We offer free consultations and there are no fees unless you win your case. Join us on Facebook and become a Top Fan for a chance to win each month.