If your disability claim has been denied but you are unable to work, you probably have a lot of questions about why this happened, what the intricacies of your policy are, and what to do next.
Here are some answers to questions specifically related to heart disease and insurance claims. Have a question of your own? Check out our Ask a Lawyer page.
Q: I had a massive heart attack. I am still in rehab and have a long way to go in my recovery before I can return to work. Why did my insurance company deny my valid claim for disability benefits?
A: As the frequency and severity of disabilities and the cost of medical care rises, insurance companies face losses on disability policies. Some insurance companies may choose to ignore the law and do what they can to avoid paying on these policies whenever possible. It is our job at Share Lawyers to call insurance companies out on their bad faith practices and make sure our clients get the benefits they need.
Q: I’ve recently been diagnosed with heart disease and there’s something called a “survival period” in my critical illness policy.
A: The survival period, also known as the waiting period, is the length of time you must wait after receiving your medical diagnosis to collect your critical illness benefit from your insurance company. The survival period is typically 30 days, but this length may vary from one insurance policy to another.
Q: After taking s6 weeks off work to recover from my heart attack, I found out that my boss replaced me. I did not have a chance to apply for my long-term disability through my group insurance benefits. Is there anything I can do at this point?
A: You should insist on being provided the group insurance benefit forms so that you can submit a claim to your disability insurance carrier even though your employment has been terminated. If the disability arose during a period in which you were actively working as an employee, you should still have coverage, as long-term disability coverage is usually based on the initial date of total disability.
If you are not getting cooperation from your employer, or they refuse to provide this information to you, you could try to receive the forms directly from the insurance company. After that, if you're still not getting any results, you should consider contacting us to further discuss your legal options in such circumstances.
Q: After my double bypass my doctor prescribed me statins she says are essential to saving my life. But my benefits were denied, and I don’t know how to pay for my expensive medications.
A: If you had medical and health benefits from your employer, chances are you remain covered. To lose the benefits, your status as an employee has to change. When your employment is terminated, such benefits end. You can also be inactively employed long enough to be removed from the benefits under the contract terms. Never assume that just because you are not actively at work or have been refused disability benefits, that other employment “perks” automatically end.Have more questions about your claim? Try our Ask A Lawyer section on our website to get more insight into your claim, or call 416-488-9000, or 1-888-777-1109 to contact our office.
Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.
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Denied your long term disability claim?
Contact Share Lawyers today and put our experience to work for you. Our 35+ years of experience 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.
A note from our long term disability lawyers
Taking a medical leave from work is not an easy decision to make. Concerns about providing for yourself and your family and keeping your job may cause you to want to push through your pain, but this won’t make your problems go away. Stopping work is often the smartest decision for your long term health and well-being, and your disability benefits are there to provide you with financial support until you can return to work.
If you have made the tough decision to stop working and apply for your short term disability or long term disability benefits, you may feel overwhelmed by the process and have questions that your employer and your insurance company are not able or willing to answer. Share is There to see you through and answer your questions.
Our Disability law firm knows what you have been going through
We understand that things have not been easy for you over the last little while. Your health has been suffering, you are unable to work, and now your insurance company, who was supposed to be there in your time of need, has decided they will not pay your disability benefits or respect your disability claim. These benefits exist to provide you with the financial support you need so that you can focus on your health and rebuilding your life. It is unfortunate that your insurance company has not lived up to its promise. If your disability claim has been denied, we will fight to get you the benefits you are entitled to. Our disability lawyers have helped thousands of Canadians get their long term disability benefits over the past 35 years, and we can help you too.
Our experienced disability lawyers can fight back on your behalf
Share Lawyers believes that every client who is dealing with a disability claim deserves superior personal service. To achieve that goal, we have developed our team of experienced, compassionate, and caring long term disability lawyers, law clerks, and administrative staff to meet all of your needs. Our team of experienced long term disability, life insurance, employment, and critical illness insurance lawyers have made successful claims against many insurance companies, third-party administrators and employers.
If you are unable to work, your disability benefits should be there to provide you with the financial support you need. While your insurance company may be focused on finding ways to avoid paying your claim, our focus is on what is in your best interest. When Share Lawyers gets involved, you have an entire team of lawyers that are there to support you and to fight for what is yours.
Our disability claim lawyers fight for your disability insurance claim by relying on our many years of experience to apply the best strategic planning and approach in each case, using the latest technology available. Experience matters, and with Share Lawyers, you are in the best hands with 35 years of success on your side.
In this video, we explain the role of a long term disability lawyer and how we can support you when you have been denied your long term disability benefits.