Keep Good Records for Disability Insurance
Your disability claim was approved and you now receive the benefits you deserve. Think you're in the clear? One would think so!
It is incredibly important to gather and keep thorough, good records of your disability.
Good Records include but is not limited to:
- copies of all of your medical information
- copies of all correspondence from and to your insurance company
- notes of your conversations with the insurance companies and your doctors and nurses
- copies of your benefit booklet and or your insurance contract, including definitions of total and partial disability, the total amount of benefits, cost of living adjustments, automatic benefit increases, length of time benefits are payable
At Share Lawyers, we recommend that you keep the most thorough records possible, even if you already receive benefits. Many insurance companies will try to deny your claim or terminate your benefits. They will go to great lengths to prove that you are not disabled, so it's always prudent to be prepared to fight for your benefits.
You may develop or discover new physical limitations as you age. Bring them to your physician's attention as soon as possible for documentation. This is important because you may require new medication, your symptoms may indicate that your condition is worsening, and a medical record is less likely to be challenged than your own account of your limitations (shared later on when the insurance company questions the legitimacy of your claim).
Keep a File Folder
Store your disability documents in one place. We advise that you keep an organized file folder in a safe place. Be sure to let a trusted family member know where you have put the documents so they can find them if necessary.
Be a Copycat
Make copies of all of your disability-related files keep the originals. Store any duplicates in a second location in case anything happens to the originals. This may sound excessive, but in this case, it is much safer to be over-prepared.
Document Daily Life Changes and Limitations
Disabilities affect your day to day life in major ways. Be sure to document what you have changed about your routine and leisure. It will help you demonstrate the impact of your disability on your life. A good way to record these changes is to inform your doctor and request that they take note of the changes.
Continue Keeping Up to Date
Insurance companies monitor you and insist on periods of review, often looking for loopholes to terminate your benefits. If you find yourself under review, expect requests for updated medical records from your insurer. Keep thorough records to protect your benefits and keep your records up-to-date, accurate, and complete.
Has your insurance company denied your claim or requested to review your benefits? 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.
We have recently settled cases against SSQ, Manulife, Sun Life, Great West Life, and many more. We love hearing feedback from our clients, so please share your own experience with us.
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.