How to Prove Long Term Disability in Canada
Sickness or injury can make it impossible to continue working. The fear of losing your income can be overwhelmingly stressful. Long term disability insurance is intended to cover financial gaps caused by reduced wages. Sadly, insurance companies deny or terminate valid disability claims at alarming rates.
The harsh reality is that Canadians must combat the insurance industry's predatory practices to secure and safeguard the safety net they’re entitled to. This guide explains how to prove your long term disability so that you receive the support you deserve.
Wondering how to prove long term disability in Canada? Share Lawyers’ experienced disability legal team can provide the help you need.
How to Prove Long Term Disability in Canada
Proving your disability to the insurance company can be a daunting task. Even with strong evidence, disability benefits are unfairly denied. To help you navigate this process, we've outlined the key steps to prove your long term disability in Canada.
Specific requirements vary depending on the policy, but there are a few requirements that are standard across policies and providers:
- Medical diagnosis. A qualified healthcare professional provides a diagnosis, outlining your condition and its effect on your ability to work. A solid medical diagnosis is the foundation of your disability claim.
- Medical treatment. Your doctor prescribes a treatment plan, which may include medications, therapy, or other interventions. Consistently adhering to your treatment plan helps you manage your condition and demonstrates your commitment to recovery, which is crucial for your claim.
The table below offers a detailed guide to help you through each stage of proving your long term disability in Canada.
Steps to Proving Long Term Disability in Canada | ||
Step | What to Do | Why It’s Important |
Obtain a Medical Diagnosis | Visit your doctor for a thorough evaluation. | A formal medical opinion is the foundation of your disability claim. |
Gather Medical Records | Collect all relevant medical records, including test results, doctor’s notes, and treatment plans. | These documents provide concrete evidence of your condition. |
Follow the Treatment Plan | Adhere to the prescribed treatment, such as medication or therapy. | It shows you are actively managing your condition, strengthening your claim. |
Document Work Impact | Provide evidence of how your disability affects your ability to work, such as employer letters. | Demonstrates that your condition directly impacts your job performance and daily activities. |
Include Personal Statements | Write a statement detailing how your disability affects your life and work. | Personal accounts add a human element to your claim. |
Submit Employment Records | Provide documentation of your employment history and income before and after the disability. | Shows the financial impact of your inability to work. |
Reach Out to a Disability Law Firm | Contact a specialized disability lawyer like Share Lawyers to help you navigate the claims process. | We can help ensure your claim is strong and fight for your rights while giving you the support you need. |
