Disability insurance is a benefit most of us hope never to use. In reality, however, many of us do. In fact, one in three people will be disabled for 90 days or longer at least once before age 65. Unforeseen circumstances, an illness, or an accident may leave us unable to work. It is a very stressful time. The average length of a disability that lasts over 90 days is 2.9 years.
It can be difficult finding ways to cope. If you are unable to work, you are most likely worried about financial responsibilities and providing for your loved ones. This is where disability insurance should kick in, as a financial safety net for the unexpected. However, oftentimes the road to a successful disability claim can be arduous and end up nowhere.
If you have filed a disability claim and it has been denied, you are probably unsure of what to do next. Keep in mind that simply because your claim has been denied, this does not mean it is invalid. In fact, denying a disability claim is a commonly used tactic.
Return to Your Specialist
If your disability claim has been denied, your first step should be to return to your specialist. You may find that your specialist has not provided enough medical information for your claim to be successful. In many cases, claimants will find that their primary care physician has written a detailed letter but the specialist, for whatever reason, has written a very short report. You should request from the specialist more detailed information that specifically addresses the issue of why you cannot work so that you may then submit this information to the insurance company.
Make a Claim to the Canada Pension Plan and Ontario Disability Support Program
These programs may offer you benefits if you have made enough contributions or are deemed eligible. They both provide income support, based on financial qualifications and the extent of your disability. Applying to both these programs takes time, but can be very helpful while fighting for your Long term Disability Benefits.
Hire A Lawyer to Fight For Your Disability Insurance
Upon notification that an insurance company has denied a disability claim, many claimants fail to take action. At this point, it is very important that you know your rights, what options are open to you, and what resources are available. The best way to ensure that you understand your rights and obligations is to seek the help of a disability insurance lawyer.
It’s important to remember that claims adjusters are not on your side. Their main objective is to make sure they pay you as little as possible for your claim or find an excuse to deny it outright. A legal professional with experience fighting insurance companies can assess what you are entitled to and how to secure those benefits for you.
With the Share Law Guarantee of experience, empathy, and results as well as not charging legal fees unless they secure benefits for you, you can rest assured that your case is moving forward without costing you anything upfront. Feeling Unsure? Find out if you have a case!
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.