Sometimes it is a car accident that leaves you with permanent injuries. Other times it is a naturally occurring illness. No matter the cause of your health concerns, if they prevent you from working and earning a living, you might be entitled to long-term disability (LTD) benefits.
When seeking long-term disability benefits, it is not just a matter of filling out a few simple forms. Many people find they must fight for benefits. Insurance companies are not eager to pay LTD benefits given that they may last for years or longer. Insurance companies may make the process difficult or unfairly delay or deny your claim.
If you are struggling to get the disability insurance company to approve your claim an Ottawa long term disability lawyer is available to help. An Ottawa injury attorney can protect your rights throughout the case.
Our long term disability lawyers can meet with you in Ottawa for a free initial consultation. Call (416) 364-2000
Qualifying for Benefits
If someone’s employer participates in a long-term disability insurance plan or they have a personal plan, they may qualify for LTD benefits. When they apply, the insurance company will require extensive evidence of how their disability prevents them from working and proof that it will last into the future.
To boost someone’s chances of getting approved, they should do the following:
- Follow their doctor’s orders
- Keep notes about their condition and how it affects their work
- Include medical evidence and notes from their employer about missed work days due to their health condition
- Fill out the application carefully to avoid mistakes
- Contact a long term disability lawyer in Ottawa if the insurance company delays or denies their claim
When insurance companies are treating claimants unfairly, lawyers carefully review the terms of the policy, compile all the medical records the insurance company needs, and acquire any other available evidence that proves they are unable to work. When the insurance company makes unfair excuses to deny their claim, they file a lawsuit.
Here are two examples of common excuses insurers use to deny LTD claims and what representatives do to counter them:
- Someone’s condition is not severely disabling. A lack of medical evidence and the absence of a doctor’s prognosis of their condition can lead the insurance company to deny their claim. If this happens, lawyers work with their client’s doctors to get the right exams and tests to verify their condition and request a written prognosis from their doctor as well as any other records or evidence to establish the severity and expected duration of their condition
- Someone can still work at their job or other jobs. They should be entitled to benefits if their impairment keeps them from working in their field. If they can work other jobs, it should not prevent them from earning benefits, although their period of eligibility will be shorter than if they were unable to work at any occupation. If the insurance company denies their claim because it thinks they can still work, Ottawa long term disability attorneys obtain the expert opinions to explain their functional limitations due to their condition and their inability to work within their field or any other field
Ottawa Long Term Disability Lawyer Near Me (416) 364-2000
The value of someone’s benefits is defined as both the amount they receive with each benefit payout, as well as the period for which they can collect these benefits. Value is dependent on several factors:
- Someone’s earned income
- Terms of the LTD policy
- How long their disability is expected to last
- Whether they can work at any other job
- Whether they qualify for CPP
- That they comply with all doctor’s orders and follow treatment plans
- Providing additional documentation or medical records when requested
- Participation in required rehabilitation
Medical records, employer records, vocational testimony, and other evidence lawyers present to prove their client’s qualification for LTD benefits will also help establish their entitlement to benefits.
If the insurance company sends a request for more documentation or proof, a long term disability attorney in Ottawa can answer their requests for their client. If the insurance company puts them under investigation, arguing that their disability has improved or that they failed to comply with doctor’s orders, lawyers develop the necessary evidence to disprove their claims – e.g., further medical evidence, reports from doctors, etc. – to help their client keep the benefits coming.
Consulting a Lawyer
Insurance companies are in the business of making money, not paying claims. They will do everything in their power to deny your claim or reduce your eligibility period.
Ottawa long term disability lawyers are monitoring your claim from start to finish and protecting your rights.