How to Apply for Long Term Disability in Alberta

Dealing with a debilitating injury or illness can have adverse effects on your work capabilities, and it can even result in a complete inability to work. This scenario presents a distinct challenge.

When we rely on our income to live, what happens when we can’t work anymore? Fortunately, long-term disability insurance offers a solution to bridge the financial gap during periods when you cannot work.

Based on decades of experience supporting Albertans just like you, we know it is crucial for people in your shoes to understand all of your options and how to access them. If you’re wondering how to apply for long term disability in Alberta, Share Lawyers can help.

Need more information on how to apply for long term disability in Alberta? Share Lawyers’ can help secure the benefits you’re entitled to.

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How to Apply for Long Term Disability in Alberta

A severe injury or the onset of a chronic illness can affect your ability to work. Long-term disability insurance plays a pivotal role in such situations. LTD insurance is a safeguard. It supports your financial well-being by supplementing a portion of your income when you cannot work for prolonged periods.

Long term disability insurance plays a vital role in the event of unforeseen emergencies. Unfortunately, many Albertans remain unaware that LTD insurance is an option, which makes them vulnerable to additional heartache when confronting future challenges.

It is easy to become disheartened, but Share Lawyers has extensive experience in this area, and we can navigate this together. As you consider enlisting Share Lawyers to support you, learn more about the process of applying for long-term disability in Alberta.

How to Apply for Long Term Disability

If you feel overwhelmed at any time during this process, Share is There

1. Review Your Policy

Acquire a copy of your long term disability insurance policy. Note the terms, conditions, and prerequisites for submitting a claim. Ensure a clear understanding of the eligibility criteria and any specified waiting periods outlined in the document.

2. Notify Your Employer

Notify your employer when you are ready to apply for long-term disability. Your employer will furnish you with the requisite forms and offer guidance throughout the application process.

3. Complete the Initial Forms

Your employer or insurance provider will usually provide you with claim forms to complete. Be accurate and thorough when filling out these forms. They may request information about your medical condition, treatment details, and the impact on your ability to work.

4. Collect Medical Documentation

Collect documentation from your healthcare providers, including medical reports, test results, and other pertinent documents validating your disability. For your records, make copies of all of your medical documents.

5. Submit Your Claim

After making copies of your documents to keep for your own records, send the completed forms and supporting documents to the designated address provided by your employer or insurance company.

6. Follow Up

Contact your employer and insurance company to ensure that all parties have the requisite forms and appropriate supporting documentation. For your records, make a note of the day, time, and content of each exchange with your employer and insurance company in which you discuss your case.

7. Insurance Company’s Assessments

The insurance company will scrutinize your claim, a procedure that may entail a review of your medical records and, in some cases, consultation with healthcare professionals. This process may extend over a certain duration.

8. Decision & Appeal

Once a decision is made, you will be notified of the outcome. In the event of a denial, you may have the opportunity to appeal the decision. However, exploring legal advice before proceeding with the appeal process is advisable.

9. Consult Legal Advice

It’s not unusual to encounter challenges in the application process. If your claim is denied, you should seek legal advice from a lawyer specializing in disability law. Share Lawyers can offer valuable guidance on your rights and available options.

Since each employer's policy varies, it is essential to examine your specific policy details meticulously. This involves thoroughly understanding definitions, waiting periods, benefit amounts, and any potential exclusions or limitations.

Insurance companies have a vested interest in denying claims—their bottom line. Applying for long-term disability can be confusing and overly stressful for many individuals, particularly when you are already experiencing heightened stress due to your disability.

That’s why you should consider consulting an experienced disability law firm. At Share Lawyers, our bottom line is a positive outcome for our clients. Let’s go through your policy and options together. Contact us today for support.

Share Lawyers Helps Albertans Acquire Their Disability Benefits

Now that you know how to apply for long term disability in Alberta, it’s time to consider professional legal assistance. Even if you haven’t had a denial yet, working with a disability lawyer offers a smoother path and increases the chances of getting your disability benefits sooner.

With more than 35 years of experience, Share Lawyers has been assisting Albertans and others across Canada to secure the disability benefits they rightfully deserve. Recognizing the stress and frustration associated with the inability to work, we are committed to supporting and guiding you.

Let Share Lawyers handle your insurance company so that you can focus on the important things, like your health and well-being. The best part? Our consultations are free, and you won’t pay any fees until you have gotten your disability benefits.

Want to learn more about how to apply for long term disability in Alberta?

This episode of Your Disability Lawyers, featuring David Share and Samantha Share, discusses how to get approved for disability benefits and the top seven reasons disability claims get denied.

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. Our legal team offers a free consultation and works on a contingency basis — there are no fees unless you win your case.

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