My Disability File Has Been Closed & My Benefits Have Been Denied- What Do I Do Now?
If you have filed a disability claim and it has been denied, you are probably unsure of what to do next. Keep in mind that simply because your claim has been denied, does not mean that it's invalid. In fact, denying a disability claim is a commonly used tactic. Even though you may feel disheartened, denial of your claim should not be seen as the end of the road for you.
If your disability claim has been denied, there are several steps you should take:
1. Return to your specialist and request more detailed information that specifically addresses the issue of why you cannot work so that you may then submit this information to the insurance company as part of your appeal. It is appropriate and acceptable to pay physicians in Ontario to write a detailed report for you, and could be the motivating factor if your doctor is managing a heavy patient load.
2. Make a claim to Canada Pension Plan disability benefits. They may be available to you if you have made enough contributions to CPP. The CPP definition states that a disability has to be both "severe" and "prolonged," and must prevent you from being able to work at any job on a regular basis. Applying for CPP disability benefits may also strengthen your case against the insurance company. You can obtain the application online at http://www.sdc.gc.ca.
3. Apply for Ontario Disability Support Program income support. The program provides financial assistance to eligible people with disabilities. To meet the requirements, you must qualify financially and have a "substantial physical or mental impairment that is continuous or recurrent and is expected to last one year or more." More information is available on the website of the Ontario Ministry of Community and Social Services at http://www.mcss.gov.on.ca.
4. Hire a Lawyer. Upon notification that their insurance company has denied their disability claim, many claimants fail to take action. They may believe that their options have been exhausted; others may be tired and simply ready to concede to defeat. It is important to know your rights, what options are open to you, and what resources are available. You should be aware of and understand your policy's many provisions and the maximum policy benefit. Your policy's provisions will be lengthy and deliberately complex. The best way to ensure that you understand your rights and obligations is to seek the help of a lawyer experienced in the area of disability insurance. A lawyer can level the playing field and successfully navigate the complex policy roadblocks the insurance companies intentionally put in your way. Without a lawyer, claimants are at the mercy of their own limited knowledge.
Has your disability claim been denied? 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.
We have recently settled cases against Great West Life, Standard Life, Blue Cross, Manulife, Sun Life, and many more.
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Denied your long term disability claim?
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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.