London Life Insurance Company was founded in London, Ontario in 1874. It offers a variety of insurance products to Canadians including London Life disability insurance, life insurance, critical illness insurance, health insurance, and dental insurance. On Jan. 1, 2020, London Life Insurance Company joined two other insurance companies and is now called The Canada Life Assurance Company.

It is not uncommon for London Life Insurance to deny a policyholder’s claim for disability insurance. If this happened to you, don’t panic. You will still have an opportunity to challenge the denial.

What Does London Life Disability Insurance Cover?

London Life disability insurance provides financial protection in the event you become unable to earn your regular income due to an illness or injury. According to the company’s website, an average of one out of three people will become disabled for 90 days or more on at least one occasion before they are 65-years-old.

A long-term disability that prevents you from earning an income for an extended period of time can cause significant financial hardship for you and your family. A London Life disability insurance policy can provide some peace of mind that you will be entitled to income while you are unable to work.

How Does London Life Disability Insurance Work?

As soon as the policyholder suffers an injury or illness, they should submit a short-term disability claim. Long-term disability benefits will not kick in until the short term disability benefits have been exhausted. To apply for long-term London Life disability insurance benefits, the policyholder will need to submit sufficient information about their condition to justify the need for long-term disability insurance benefits.

Typically, policyholders will need to submit documentation from their medical providers to show that the condition has rendered the policyholder unable to work for an extended period of time. The policyholder will also need to show that they are receiving ongoing treatment in order to recover from their condition. Employers will also be required to submit information about the policyholder’s job requirements.

If the London Life disability insurance claim is approved, the policyholder will generally be entitled to a payment equivalent to a certain percentage of their usual wage. These payments will continue as long as the insurer agrees to continue paying the benefits. For this reason, it is important to continue seeking all necessary treatment and avoid missing any appointments. Failure to follow the treatment plan may result in termination of long-term disability insurance benefits.

How Do I Get a London Life Insurance Policy?

London Life Insurance Company offers group disability insurance products and individual disability insurance products. If your employer offers a London Life insurance policy, you should have been provided information about the available policies and how to sign up for the group plan.

If you do not have employer-sponsored disability insurance benefits, you can subscribe to an individual London Life insurance policy. Even if you do have an employer-sponsored policy, you may consider purchasing a supplemental London Life insurance policy to protect you in case you become too sick or injured to work.

The London Life Insurance website is a good place to start to learn more about the available disability insurance plans that best suit your needs.

My London Life Disability Insurance Benefits Were Denied. Now What?

If your London Life disability insurance benefits were denied, do not despair. It can be extremely discouraging to receive a denial letter when you’re facing a long-term illness or injury. For better or worse, it is pretty common for insurance companies to deny the initial application for long-term disability benefits.

Your London Life insurance benefits denial letter will provide you with important information, including the reasons your claim was denied, the date of denial, and how to appeal the decision. Once you receive this letter, it is important to act quickly so you don’t miss the deadline to challenge the denial of benefits.

You may need to gather additional documentation from your medical providers to show that your condition is severe enough to prevent you from working. However, some insurance companies use vague and confusing language in their policies to mislead policyholders into thinking their conditions aren’t covered when they really should be. A long-term disability lawyer can help you decipher your policy and better understand your options. 

Do I Need a Disability Insurance Lawyer?

If your London Life disability insurance claim was denied, you may consider reaching out to a disability insurance lawyer. Many lawyers offer a free initial consultation that can help you get a better understanding of your London Life insurance policy and the steps you need to take to appeal the disability insurance claim denial.

Disability insurance lawyers can also provide legal assistance to help you fight for the benefits you deserve.