Filing a long term disability claim seems like it should be a straightforward process. The law in many Canadian provinces allows people to apply for and receive disability benefits if a mental or physical illness or injury hampers their performance in the workplace. This provision was set up in order to give people the time and resources needed to recover.
Unfortunately, filing a disability claim does not always lead to that claim being accepted. Despite following the application instructions carefully, many people are denied their LTD benefits, leaving them feeling confused, frustrated, and concerned about their financial future.
Luckily, there are some things you can do – these disability lawyer approved tips can increase your chances of success.
Start With Your Employers
For starters, find out what kind of benefits are included in your company’s insurance policy or the private policy that you purchased. You can try to get a copy of that policy from your company’s HR department or if it is a private policy, from your insurance agent. If you want to know what you can expect from the disability claims process, keep in mind that you can always call Share Lawyers at any time during the application process for a free consultation to discuss the important paperwork you will need – we can talk to you about the questions you have that your employers and the insurance company can’t or don’t want to answer.
Insurance Companies Want Objective Proof
Generally speaking, insurance companies want to see objective proof of a medical condition, usually in the form of imaging tests like x-rays or an MRI. However, many conditions cannot be diagnosed with that kind of documentation. In these cases, it helps to have an established history with a medical practitioner – this includes your family doctor or general practitioner (GP) and any specialists that you have seen, including mental health professionals. The more detail you can provide about your condition, the more likely it is that your condition will be recognized as legitimate grounds for a long term disability claim. Our disability lawyers recommend that you keep detailed notes on the following:
- official diagnoses
- impact your condition has had on your life
Keep in mind that just because your long term disability claim has been denied does not mean that your claim is invalid. Insurance claim denials are common and often incredibly unfair. The fact of the matter is that many insurance providers try to avoid paying out long term disability claims. They often argue that someone’s condition is not severe enough to prevent them from working or cite insufficient medical evidence as grounds for rejecting an insurance claim, even in cases in which the applicant has an official medical diagnosis and valid medical documents.
If your claim has been denied, we can answer any questions you may have about your case. At your free consultation, we don’t need to see anything beyond your denial letter and a copy of your company’s disability policy. From there, we’ll be able to figure out what other documents we need to collect once we have a better understanding of your case.
Reach Out to Share Lawyers
After we review all of the necessary information, our long term disability lawyers will use their specialty in disability law to fight to get you the disability benefits you deserve. We’re here to make the insurance claim process feel less intimidating and to your insurance company that you are willing to fight for what you deserve.
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. 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.