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What Percentage of Long-Term Disability Claims Are Denied?

If you’ve received a medical diagnosis preventing you from performing the duties of your job, you may be eligible to collect long-term disability benefits. However, for a variety of reasons, the majority of claims for long-term disability benefits are denied.

Insurance companies are not required by law to release statistics about the number of long-term disability claims they regularly deny. However, since approximately 60% of claims for the Canada Pension Plan (CPP) disability benefits are denied, it can be assumed that insurance companies deny the same amount of claims filed.

If your claim for long-term disability benefits has been denied, even though you believe your medical condition should make you eligible to receive them, a long-term disability claims lawyer may be able to help you appeal the insurance company’s decision.

What to Do if Your Long-Term Disability Benefits Claim Was Denied

If your claim for long-term disability benefits is denied, your insurance provider will generally notify you in writing. The notification letter will likely contain the following information:

  • Details regarding the long-term disability benefits provided by your policy
  • The insurance company’s definition of “disability”
  • The reason your claim for benefits was denied

If you wish to appeal the company’s decision, you may only have a limited amount of time in which to proceed, beginning from the date your denial notification letter was issued.

Filing an Internal Appeal for Denied Long-Term Disability Benefits Claims

If your claim for long-term disability benefits was denied, you may be able to appeal the insurance company’s decision. The notification letter informing you of your denied application may contain information about how to appeal the insurer’s position. Often, denied claims require applicants to provide additional supporting documents to their insurance company, including:

  • Medical documents supporting the severity of your condition
  • The results of different medical tests
  • Additional information from your employer

The insurance company may then use this additional information to reassess your claim. This process may take a substantial amount of time, and may not lead your insurer to reverse their initial decision.

Denied Claims for Long Term-Disability Benefits and External Appeals

With the assistance of a long-term disability claims lawyer, you may decide to appeal the denial of your benefits claim in court. In these external appeals, your eligibility to collect long-term disability benefits payments would be determined by a third party, not your insurance company.

External appeals, also known as a lawsuit, is where you choose to sue the insurance company in the Ontario Superior Court of Justice. If the case is resolved in your favor, you may be awarded compensation for:

  • Benefits denied in the past
  • Punitive damages
  • Damages for mental stress you experienced
  • A portion of your legal fees

Contact Preszler Injury Lawyers to Discuss Your Denied Claim

More than half of all claims for long-term disability benefits are denied. If you’ve been diagnosed with a serious medical condition that prevents you from returning to work, and your claim for benefits was fairly denied, Preszler Injury Lawyers may be able to provide you with assistance. For a free, initial consultation about your denied claim, and legal options that may be available to you, call Preszler Injury Lawyers today at 1-800-JUSTICE.

Call us now at

151 Eglinton Ave W,
Toronto, ON
M4R 1A6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
4145 N Service Rd
Burlington, ON
L7L 4X6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
2 County Ct Blvd #400,
Brampton, ON
L6W 3W8
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
105 Consumers Drive
Whitby, ON
L1N 1C4
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
92 Caplan Ave #121,
Barrie, ON
L4N 0Z7
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
380 Wellington St Tower B, 6th Floor,
London, ON
N6A 5B5
Toll Free: 1-888-608-2111
2233 Argentia Rd Suite 302,
East Tower Mississauga, ON
L5N 6A6
Toll Free: 1-888-608-2111
1 Hunter St E,
Hamilton, ON
L8N 3W1
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
459 George St N,
Peterborough, ON
K9H 3R9
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
22 Frederick Street,
Suite 700
Kitchener, ON N2H 6M6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
116 Lisgar Street, Suite 300
Ottawa ON
K2P 0C2
Toll Free: 1-888-608-2111
10 Milner Business Ct #300,
Scarborough, ON
M1B 3C6
Toll Free: 1-888-608-2111
*consultation offices

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