My Long Term Disability Claim Has Been Denied: What Do I Do?

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Managing an illness or injury that leaves you unable to work is incredibly difficult and more common than you think. If you’ve been paying disability insurance premiums and the insurance company you counted on to be there in your time of need has denied your claim, you likely feel lost.

You need those benefits to focus on rehabilitating and rebuilding your life.

If your long-term disability (LTD) claim has been denied, don’t give up hope. In Ontario, about 60 percent of legitimate disability claims are rejected by insurance companies each year. Insurance companies are notoriously tight-fisted and denying claims is how they make money.

Often, an LTD applicant will receive a letter telling them their claim has been denied. It also invites them to appeal the decision. But Samantha Share, Lawyer and Assisting Managing Director at Share Lawyers, an Ontario-based law firm specializing in disability law says, “This appeal invitation is done primarily to appease the applicant and rarely results in a change in the decision. In the meantime, you have no money coming in.”

The LTD appeals process can be long and frustrating. This is why you should have an experienced long term disability lawyer get involved at this stage rather than risking damaging your chances for future success.

Why you should fight a denial

After receiving a denial letter, you may feel like giving up.

The fact is you have been paying premiums directly or indirectly and this long term disability insurance was meant to protect you in case you’re unable to work. If you throw in the towel now, you could be giving up the money that you are entitled to receive.

Why you shouldn’t appeal your denial

The denial letter from your insurance company may give you three opportunities to appeal their decision. This is a routine response that makes it appear as if they care, but they’re really counting on you to give up.

Even though you have the option to appeal, it is not a step you should take on your own.

To appeal successfully can be difficult - you are asking the same people who denied your claim in the first place to reconsider their decision. The insurance companies’ appeals process is complex and can be frustrating to navigate without help.

For your appeal to have any chance of success, you will need to submit stronger medical evidence. There are also strict time limits on being approved your benefits after an initial denial, and appealing can end up wasting the precious time you have to fight back

If you have been denied disability benefits, you can use this free online tool to learn if you have a valid case.

Common reasons a long-term disability claim is denied

Many insurance companies look for reasons to deny long-term disability claims in Ontario. Some of the most common reasons are:

  • Filing a claim or appeal late: Insurance policies often stipulate a timeline under which to submit a claim, beginning from the point you first became disabled, but this timeline isn’t always clear.
  • You are not “totally disabled”: Insurance companies use the term “totally disabled” because they want you to believe that you need to be paralyzed or in a coma to qualify for long-term disability. “Totally disabled” means that a doctor has confirmed that you’re unable to perform the essential aspects of your own job.
  • Insufficient medical evidence: The insurance company may not accept your doctor’s assessment of your disability, especially in cases where your condition cannot be verified through diagnostic imaging or a blood test. This is often the case with mental health claims and chronic pain claims, that cannot be proven through testing.
  • Your medical condition is contested by the insurer: An internal medical consultant may review your application and report that your condition is not severe enough to meet the benefits criteria.
  • Pre-existing condition: One of the most common reasons for rejecting a claim is the pre-existing condition exclusion clause. If the insurance company determines that you sought treatment before your insurance policy took effect, your claim may be denied.

What to do when your long-term disability claim is denied

If your long term disability claim is denied or if you have questions about appealing your insurance company’s decision, contact the Ontario long term disability lawyers at Share Lawyers. “A disability lawyer can get the process started right away,” says Samantha Share. “They can also make suggestions as to alternate forms of income that may be available to the claimant during the waiting period.”

The longer you wait, the longer you will be without income.

Share Lawyers has over 35 years of experience in long term disability law and can help you win your long term disability benefits case against Canada Life, Desjardins, Manulife, RBC Insurance, and other insurance companies.

Consultations are free and there are no fees unless you win your case. Call Share Lawyers today at 1-888-777-1109 or visit them online here.


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.

We’re here to support you during this difficult time

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