If you’ve suffered from a serious injury or illness that prevents you from working, you may wish to apply for long-term disability benefits. A variety of medical diagnoses may qualify you to receive these benefits.
Long-term disability coverage may only be available to you if your injury or illness is likely to impact you for an extended period of time. According to the Financial Consumer Agency of Canada, you may qualify for short-term disability coverage for the first several months you are unable to work. After that point, long-term disability benefits may begin.
If your benefits claim was unfairly denied, a Brockville long-term disability claims lawyer may be able to assist you by filing an internal appeal or a lawsuit against your insurance company.
Our long-term disability claims lawyers can meet with you in Brockville for a free initial consultation. Call (416) 364-2000
Get Help Filing a Long-Term Disability Claim in Brockville
Individuals who have received an official medical diagnosis prohibiting them from returning to the workplace may file a claim for long-term disability benefits. To do so, the claimant may need to provide their insurance company with:
- Letters from a physician
- The results of medical tests
- Proof of continual medical care
Individual policies should include specific instructions explaining the kind of evidence claimants are required to provide. Including evidence related to your condition in your application may help the insurance company correctly process your claim.
Your long-term disability insurance carrier may also require you to file a claim with the Canada Pension Plan (CPP), as detailed by Employment and Social Development Canada.
Brockville Long-Term Disability Claims Lawyer Near Me (416) 364-2000
Why Some Long-Term Disability Claims Are Denied
Insurance companies may deny long-term disability benefits claims for a number of reasons, including:
- The claimant’s injuries or illnesses are not severe enough to qualify for benefits
- The claimant’s medical condition was misrepresented in their application
- The claimant’s disability is excluded from their coverage plan
- The claimant was not covered under the policy for long enough to draw disability payments
In these situations, a Brockville long-term disability claims lawyer may be able to help you file an internal appeal, requesting that the insurance company review your case further.
Filing an Appeal to a Long-Term Disability Claim Denial
If you’d like your insurance company to reconsider your claim for long-term disability coverage, you may request an internal appeal of the decision. Sometimes, providing additional information from medical professionals or resolving minor technicalities in the appeal process can be enough to approve long-term disability claims.
In some instances, a Brockville long-term disability claims lawyer may advise you to file your appeal through the court system. By bringing your case to trial, the decision to approve or deny your claim would be made by a judge or jury, rather than your insurance company.
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Claiming Long-Term Disability Benefits
If your claim is approved—either after your initial application or following a successful appeal—you may receive a percentage of your regular salary while you are on long-term disability leave. The payable percentage amount is determined by your insurance company’s policy. Some companies may offer up to 70% of your average weekly wage.
Call Preszler Injury Lawyers Today
If you would like assistance applying for long-term disability benefits or appealing a denied benefits claim, call Preszler Injury Lawyers to discuss your situation. A Brockville long-term disability claims lawyer may be able to help investigate your case, assemble evidence in your defence and pursue long-term disability benefits on your behalf.
To discuss your case during a free initial consultation with a member of our team, call Preszler Injury Lawyers at (888) 541-7603.