The process of filing for long-term disability benefits requires your employer’s participation. Therefore, if you are submitting a claim for benefits, your employer will need to be aware of your medical condition.
In order to submit a claim for benefits, you will be required to include both an attending doctor’s report and an employer’s report along with your notice of claim. Only once your insurance provider has received all the required documentation will they be able to begin assessing your application for benefits.
Understanding the Claims Process for Long-Term Disability Benefits
The process of applying for long-term disability benefits can be very slow. Any number of hiccups in the evaluation process may result in delays, including:
- Incomplete applications
- Unclear or inaccurate supporting medical documentation
- Applications submitted after requisite deadlines
- And possibly more
If your medical condition makes it difficult to thoroughly and accurately navigate what can be a long and confusing process for even individuals in the best of health, a long-term disability claims lawyer may be able to provide you with assistance.
How Your Employability Affects Your Benefits
Long-term disability benefits are designed to provide policyholders who cannot perform the duties of their job for a lengthy period of time because of a serious medical condition with a percentage of their regular salaries while they are unable to work. In Canada, long-term disability plans generally replace 60-70% of recipients’ regular income.
However, the terms of insurance policies differ between providers. In some cases, after receiving benefits payments for a substantial period of time, your insurance provider may reassess your eligibility requirements. In these cases, if it is determined that, although you are still unable to perform the task associated with your current job, you can perform the duties of another job, even if they are not related to your current occupation, the insurance company may decide to terminate your benefits payments.
What to Do if Your Claim for Long-Term Benefits Is Denied
During an appeals process, a long-term disability claims lawyer may help you compile evidence to support your claim, including testimonies from vocational experts who may be able to shed further light on your inability to work as a result of your medical condition.
Contact Preszler Injury Lawyers Today
If you require assistance with your claim for long-term disability benefits, Preszler Injury Lawyers may be able to provide useful advice. To discuss the details of your claim today, call Preszler Injury Lawyers at