Deny, deny, deny - sometimes it seems like that's what insurance companies do best when it comes to disability claims. Our firm knows this all too well, as much of our business is based on fighting for the disability benefits our clients deserve after their disability benefits claims have been denied.
If you're apprehensive about your claim being denied, you should start out by putting your best foot forward. A great way to improve your odds of winning the benefits you deserve is by going in with the right supporting documents, and most importantly, with full support from your doctor. Here's why.
The Doctor is the Expert
You know you're not fit for work, but it is seen as speculation until you have your doctor's seal of approval. A doctor's supportive assessments, test results, and recommendations can go a long way in disability claims. They make your decision to not return to work seem reasonable and necessary, and their test results will be there to reinforce their expert medical opinion.
Objective & Subjective Analysis
When an insurance company denies a claim, they ultimately do so based on their subjective assessment of your situation - this is basically speculation about your health. When a claim is denied, our job is to create a strong counter argument rooted in objective scientific fact. Your doctor is invaluable in this process.
Doctors are able to strengthen your case by recommending and ordering appropriate tests to demonstrate your claims. Their interpretation of this scientific testing is also necessary, as the insurer may try to manipulate the interpretation of those test results. Your doctor can also refer you to specialists whose analysis can be even more valuable than your GPs in some situations.
They Know Your History
Your doctor may have access to a well-documented history of your health. That medical history can be used to reinforce your claim that your health or ability has declined over time.
Insurance Companies Can Be Ruthless
If you appeal a denied claim for disability benefits, most insurance companies will make it their priority to prove that you are able to work and are ineligible for benefits. They may even go so far as surveil your actions and try to document you doing tasks that suggest you are more able than you claim to be.
Without the support of a medical professional, you may find yourself unable to defend your condition. Your doctor is able to provide indisputable evidence that you are unwell or disabled. This is your strongest defence against the insurance company’s vigilant campaign against you.
Your doctor can be your greatest ally in court when it comes to winning the disability benefits you deserve. Let them know what’s happening and ask for the help you need to make your case.
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.