Having your disability claim denied across Canada can be a difficult and discouraging experience. After 35 years of working with clients who have been denied by their insurance companies, we want to share some of our important insights.
It’s important to keep in mind some key facts about the insurance process. Unfortunately, insurance companies do not want to pay out anything if they can avoid it. The reality is that they’re looking for reasons to deny claims from the beginning. They may have an easier time denying certain claims. For instance, it’s quite common for claims based on chronic pain or mental health issues to be denied or to have benefits taken away after they’ve been granted. The easy reason for this is because they’re invisible illnesses, and so the barometer for the functionality of the patient is largely subjective. It’s easier to “prove” a medical condition like a herniated disc than a diagnosis of anxiety or depression – and the insurance companies take advantage of this.
Difficulty in proving the impact of invisible disabilities like addiction raises another common reason for denial. When applying for disability benefits for addiction, it’s often required that the person be registered in a rehabilitation program of some kind or show proof of intent to register. Regardless of whether the rehab program is the right choice in a recovery journey, it’s seen as mandatory by the insurance companies, even though most rehabilitation centres are focused on complete substance abstinence rather than harm reduction. Refusal to register or a lack of enrollment is enough of a reason for insurance companies to deny the claim. This does not consider how costly some programs are, or the long waitlists that exist for the government-funded programs.
A question we hear often from those denied their benefits across Canada is whether it makes a difference to have their physician support them in their application. As we trust our physicians with our health and wellbeing, we assume that their medical opinion is respected by the outside world. Ideally, the insurance companies would take the physician’s opinion as the truth. Unfortunately, a physician’s official diagnosis is often called into question.
Insurance companies like to pick apart the minutia of LTD benefits claims. They’re looking for holes in your claim to find any reason to deny your claim and avoid paying out. Beyond a diagnosis and the opinion of your doctor, they’ll want to know answers to the following questions and more:
- Why do you find yourself in this current situation?
- What are your physical limitations?
- What are you capable of doing?
- How quickly can you return to work?
- How long has the illness been going on?
In many cases, it becomes a never-ending process of questioning that often just leads to dead ends, rejection, and frustration.
Being approved your disability claim is not impossible. That’s where hiring a disability lawyer comes in. It’s our job to mitigate these questions and ensure that your insurance company doesn’t take advantage of you. Lean on us and we’ll help you through the process. At the end of the day, your well-being is our priority.
If you have had your claim for long term disability denied, contact the long term disability insurance lawyers at Share Lawyers. Our experienced team of long term disability (LTD) lawyers can help. Toronto is home to the Share Lawyers office, but we have helped people all across Canada. We have recently settled cases against Canada Life, Desjardins, Manulife, RBC Insurance, Sun Life, and many more. We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.
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.