When a sudden or worsening illness makes it impossible to work at your usual pace, long term disability is supposed to provide a safety net. However, your insurance company has denied your disability benefits when you needed them most. Sadly, this is a reality for many Canadians.
Fortunately, there is hope.
A denied disability claim is not a dead-end. You can still secure the benefits that you rightly deserve, and your chances of success are even greater when you enlist a skilled disability lawyer to support you through the process.
Was your LTD claim denied? Share Lawyers’ long term disability lawyers can help secure the benefits you’re entitled to.
LTD Claim Denied? Your Next Steps:
If your LTD claim has been denied, here are your next steps.
Next Steps When Your LTD Claim is Denied
1. Get the Denial in Writing
After a claim is denied, obtain the decision in writing.
Once you have the denial letter, contact an experienced disability lawyer. We can help. We'll assist you in understanding the legal language, explain all your options, and help you determine your best course of action moving forward.
2. File a Legal Claim Instead of Appealing
An insurer may urge you to appeal, but seasoned disability lawyers would advise against it for two reasons:
First, the people who denied your initial claim are usually the same people who manage the appeals, so your chance of success is low. Filing a legal claim protects you from going through the appeals process just to be denied again by the exact same people.
Second, you have two years to pursue legal action after a claim is denied—and insurers stall by engulfing you in the appeals process. You see, the insurer is faced with a decision whenever you initiate a legal claim: either settle or invest resources, time, and effort in contesting it. More often than not, they opt to settle the LTD claim.
Share Lawyers Fights To Secure Your Benefits
We understand just how frustrating an LTD claim denial can be. That’s why we’re dedicated to fighting for Canadians to get them the benefits they deserve. If your LTD claim was denied, you don’t have to face this alone. Our disability lawyers are here to advocate for you.
We provide free consultations, and our payment is contingent on securing the compensation you rightfully deserve from your insurance company.
Let's work together to transform that 'LTD claim denied' into an 'LTD claim approved'!
Was your LTD 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.