One of the important perks of being an employee are the group benefits offered in addition to the salary provided. Group Benefits programs, which provide for health, dental and vision benefits, life insurance, accidental death and dismemberment coverage, out of country health and travel insurance, and disability benefits can be provided to employees at a lower cost than what individuals can purchase similar products for, because the risk is spread across a larger group of people.
Something that crops up in disputed disability cases is the difficulty some of our clients experience in either getting the forms to claim disability benefits from their employer, or in getting clear information from their employer about what benefits they have.
Why offer Group Benefits to your Employees?
- offer competitive compensation and benefits in the labour marketplace
- give employees a security blanket in the event that sickness or injury strikes
- increase the chances that employees will not hesitate to seek health care and treatment, if and when they need it, so that productivity and absenteeism is kept to a minimum.
The cost of these benefit programs has been on the rise and some employers are questioning whether they should continue to offer these benefits. As employees make claims, the claims history does have an impact on the cost of maintaining the programs.
As an employer, if you’re offering these group benefits, you owe it to your employees and to good business practices that when an employee faces a potential disability claim, that you provide support and guidance, along with the forms, so that they have every chance to obtain the benefits that forms part of their employment contract. It makes no sense to interfere with an employee who is making a claim for disability (or other benefits). If your employee misses an important deadline in notifying the insurer, not only does this put the employees claim in jeopardy, but it also potentially raises liability on the employer.
Why Offer Group Insurance
Why offer the Group Insurance if you aren’t prepared to do everything in your power to ensure that your employees can access the claims process in a timely fashion? Other than concerns about the cost, and also the staffing challenges that a disabled employee can create, there is no valid reason for refusing to provide the necessary forms or directing employees to obtaining the required forms to submit.
The ultimate decision on whether a disability claim will be accepted is up to the insurance company, and claimants will have to provide the necessary information to have their claim approved, but as an employer, it is foolish to put up additional barriers or hurdles for your employees to overcome in their pursuit of these benefits.
Disclaimer: You should not act or rely on any information in blog. Each person or company’s legal needs are unique, and you should ask a lawyer directly to assess your specific needs. You should also be aware that there are time limitations and notice requirements that may affect your rights.
Denied your long term disability claim?
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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.