Hundreds of thousands of long term disability claims are filed every year. Why is it that, out of all of these claims, yours is the one that is denied? You’ve paid your premiums on time for years without complaining or defaulting on payment. You’re a hard worker. You seldom take time off, unlike some of your other coworkers. So why you? While it’s difficult to answer that question, rest assured that you’re not alone. If your long term disability claim gets denied, here’s what you need to do.
Contact a Lawyer
While it’s possible that you might be able to successfully appeal your claim, it’s all the more better to do it with the help of a qualified legal representative. It’s easy to find an experienced disability lawyer in Toronto so you should take full advantage. Remember, even though a long term disability claim is a marathon, not a sprint, a lawyer often helps to speed up the process, even if by a little bit.
Keep in mind that while your insurance company isn’t always on your side, your lawyer is. Often, insurance companies are strictly looking out for their bottom line and aim to award the bare minimum. The less money they have to pay out towards your claim, the more they get to report in profit. Luckily, once you hire a disability lawyer, they’ll handle your insurance company on your behalf, doing their utmost to secure the compensation you deserve.
Making Ends Meet
While your lawyer is in the trenches negotiating your claim, there are things to do in the meantime to make sure you’re able to make ends meet. There are several programs throughout Ontario that are dedicated to supporting disabled citizens through their time of need. Apply for Ontario Works, Ontario Disability Support, and Canada Pension Plan Disability Benefits. These programs help Canadian citizens who are unable to work or generate income through financial assistance.
It’s a common belief that applying to and receiving assistance from these programs negatively impacts your credit rating. This is not true. Canada’s disability support programs have no negative impact on your financial health or credit report. If your condition improves and you’re able to return to work after receiving government assistance, that’s a fantastic outcome and you may not need to pursue your claim any further. Otherwise, at least you have the financial means to live comfortably while it’s settled.
Act in Your Best Interest
One thing prospective claimants often forget to do is continue seeing their doctor. Neglecting treatment for the root cause of your disability is one of the biggest mistakes you could make. If your treatments and medications aren’t working, seek out alternatives. Ask for referrals to specialists to get the personalized treatment you deserve during these trying times. Don’t be afraid to seek a second opinion, either. Your health is the most important thing, so don’t let it fall by the wayside.
It’s also important to be prepared for your appeal. If you are denied once, your shot at success decreases a bit. If you keep appealing without a game plan, your insurance company will use that history of denials as further reasoning as to why they won’t legitimize your claim. Work in tandem with your lawyer to develop the best plan of attack for your first appeal. Hopefully it’s the only one you will have to file.
One Step at a Time
Receiving long term disability benefits often seems like a shot in the dark. It’s often a frustrating, confusing, and overwhelming process. That’s why it’s important to have an attorney at your side. They’ll advise you on how to proceed, help you acquire proper documentation of your disability, and provide you with a path to move forward. If you persevere and act in your best interests, hopefully you’ll soon be awarded the claim you need to live without worry.