What Is Your “Date Of Disability”?

Date Of Disability

Unless your disability was brought on by a sudden illness, accident or injury, the date that you became disabled may not be perfectly clear. A few factors have to be taken into consideration: The determining factor is when your doctor(s) noted in your medical files that you were unable to continue working due to your disability, and whether your doctors’ definition of disability would meet the definition of “disability” as defined in your insurance policy. The date of disability that is finally determined, in concert with your doctors and your insurer, will determine how far back you may be owed retroactive payments, if any. It will also determine whether your claim falls into a pre-existing exclusion period, which would make you ineligible for benefits.

IMPORTANT TIP:

Can I Sue For “Retroactive Pay”?

If your benefits have been denied and should have commenced or continued from a specific date, you can certainly claim for benefits owing in the past, which are usually referred to as “arrears”, provided that any lawsuit for past benefits is commenced in the courts in a timely manner i.e., before the running of a limitation period.

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If you or a loved one has been denied their long-terms disability benefits, see how we can help! Contact Share Lawyers and put our experience to work for you.