This post, which includes tips for applying for a disability claim, is the second in a three-part series of blogs on the do’s and don’ts involved in your claims process. Click to read the first blog of the series.
Tips For Applying
It's important to inform yourself of the pertinent information and timelines for the claims process. It's also essential that you organize your documents and meet the deadlines for submitting them. It is also critical that you file your claim in a timely manner to avoid missing deadlines. It is also in your interest to keep records of everything related to your disability case. It's also important to take notes of your conversations with the insurance companies and your doctors and nurses. Ensure that you provide your lawyer with the proper documentation.
Proper Documentation
Your insurance contract. The contract will include definitions of total and partial disability, total amount of benefits, cost of living adjustments, automatic benefit increases, length of time benefits are payable.
Prepare a complete medical history document. Your medical history document will include doctor diagnoses, specialists visited, major test results, specific timeline of condition, medications taken, prognosis reports, family situation, physical and mental restrictions, effects of the disability on everyday life, financial effects, recreational effects (what activities are you now unable to do because of the illness or injury). Describe how the illness prevents you from performing your job - be prepared to discuss every aspect of your claim.
In addition to the tips you should do, there are certain things you should avoid doing.
Things To Avoid
In line with our advice that you file your claim in a timely manner, you should not allow too much time go by before filing. There are deadlines and limitation periods that apply to your disability claim. This means that if certain deadlines pass you may no longer be able to recover the monies owing to you.
Another mistake to avoid is delaying in contacting an experienced disability insurance lawyer. If your claim has been denied or terminated, the earlier you have a lawyer on your case, the better your chances are of getting maximum benefits.
In the third part of the series, we will be discussing honesty during the claims process.
We have recently settled cases against Clarica, Industrial Alliance, The EDGE, Transamerica Life Canada, Allstate, Paul Revere, and many more. Please share your own experience with us, we love hearing feedback from our clients.
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.
