Long term disability is meant to be a crucial support system when you're unable to work during times of ongoing serious illness. A denied LTD claim can be incredibly frustrating, and—after more than 35 years of working with Canadians who’ve been denied their benefits—we understand the severe impact a denial can have on your life.
There is a way forward. Share Lawyers is committed to helping you understand the reasons behind your denial and guiding you through the obstacles that lie ahead.
Was your long term disability claim denied? Share Lawyers’ long term disability lawyers can help secure the benefits you’re entitled to.
Long Term Disability Claim Denied: Here’s Why
Know the common reasons insurers use to deny LTD claims before you decide your next step.
- Incomplete Claim Forms: Claims may be denied because essential information was not included—like healthcare providers' notes, test results, or financial details. Often labelled as a "delaying tactic," this method prolongs the process and allows the insurer to avoid paying without denying your claim outright.
- Insufficient Medical Evidence: Claims are often denied when the documentation provided does not adequately articulate the reasons preventing you from working.
This lack of information could be an error on your part, but it could just as easily be an error on your doctor’s part. After all, medical professionals are not experts in insurance matters, so they may not understand what to include in their report to the insurance company. In situations like this, your doctor might need clarification on additional information to provide.
- Pre-Existing Exclusion Clause (“Pre-Ex”): Claims may be denied if you've had coverage for a short time and had the same medical condition before. The clause protects the insurance company from providing benefits to individuals they wouldn't have insured otherwise.
Tips to Get Ahead of a Denied Long Term Disability Claim
Review your claim forms thoroughly to identify missing information.
Discuss with your doctors and explore additional supporting medical documentation.
Consider your physical and mental health when changing jobs or group insurance. You likely will not be able to claim long term disability within the first year of new employment.
Taking these steps during the application process can sometimes help you be successful in your disability claim. However, your insurance company may still deny your claim through no fault of your own. Regardless of the reason that your long term disability claim was denied, it is imperative that you partner with an expert long term disability lawyer. Doing so can significantly increase your odds of securing the benefits you deserve.
Share Lawyers Fights to Secure Your Benefits
Insurance companies often benefit from avoiding payouts, and they’ll use technicalities to do so. Share Lawyers welcomes the challenge of confronting your insurance company. With our expertise in disability law paired with our unwavering commitment to getting you what you’re entitled to, we won’t quit until your benefits are secured.
Was your long term disability claim denied? It’s not the end of the road.
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.