People contact us at various stages of their claim process, but where your claim has been denied, we encourage you to contact us as soon as you have received a denial letter or e-mail advising you that your benefits are being denied or terminated. Usually these denials advise that you have a right to appeal these decisions within a specified time. In our experience, most people find these denial letters upsetting and confusing with respect to the applicable deadlines to appeal or dispute the decision that has been made.
Do Not Delay
Our best advice is to not delay contacting us when your claim has been denied. The initial call or e-mail to our office is free and once you have provided us with a sufficient amount of information we can discuss the next best steps for you.
Denial Letters Can Be Confusing
Regarding deadlines, as I have said earlier, the information in the denial letter can be rather confusing and it is important to be sure that you haven’t missed any deadlines that could prevent you from being able to pursue your claim. Very often the denial letter says you must appeal within 30 – 60 or 90 days and provide additional information from your doctors in order to have the insurance company reconsider their decision. These deadlines are not usually written in stone, but they should not be ignored if you intend to proceed with your claim.
Deadline For Taking Action
The ultimate deadline for taking legal action is usually longer than 30-90 days that is sometimes mentioned in an insurer denial letter. In Ontario, for example, the Limitation Act, indicates that the limitation period is 2 years in most matters, including disability claims. It is a good idea to err on the side of the earliest possible date rather than the outside date to avoid missing any deadlines. The date that the 2 years runs from can also be confusing, and to understand what the limitation period is in your particular case you should consult with a lawyer so that there are no surprises.
In short, the sooner you contact us following a denial from the insurance company the better so that you don’t prejudice your claim due to a missed deadline.
Has your long term 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.Find out if you have a disability case.
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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.