Anne Bucher  |  November 5, 2020

Category: Insurance

Top Class Actions’s website and social media posts use affiliate links. If you make a purchase using such links, we may receive a commission, but it will not result in any additional charges to you. Please review our Affiliate Link Disclosure for more information.

Man reading denial letter regarding information on when to file a SSQ long-term disability insurance lawsuit

Disability insurance offers an important financial safety net in the event that an accident, injury or disability prevents you from being able to work for a long period of time. Many companies offer group insurance to their employees, although self-employed individuals or those who do not have group insurance coverage may also purchase an individual SSQ long-term disability insurance plan.

If your long-term disability claim was denied by your insurance company or if your benefits have been pulled, you may want to contact a long-term disability lawyer to review your case and possibly assist you in a lawsuit to fight for the compensation you deserve.

What is SSQ Insurance?

SSQ Insurance Company is reportedly one of the largest insurance companies equipped with more than 3 million customers and $13 billion in assets under management. Approximately 2,000 people are reportedly employed by SSQ Insurance.

According to the SSQ Insurance website, the insurer’s mission is “to serve the interests of our members and clients by offering high-quality products and services to help them plan and protect their financial security throughout their lives, while drawing inspiration from the mutualist values that place people and social development at the very heart of what we do.”

Do I Need SSQ Long-Term Disability Insurance?

When people imagine a long-term disability, they often picture someone who has been injured in an accident and can no longer do physical labor, such as construction work. However, an accident or illness may affect employees from any industry, rendering them unable to work for a long period of time. SSQ long-term disability insurance does not just provide benefits for physical injuries. It can also provide benefits to eligible policyholders who experience chronic health issues, including mental health issues, that prevent them from being able to do their job.

Because it is impossible to predict if and when an accident or illness will affect your life, it is a smart idea to purchase a long-term disability insurance policy to provide a financial safety net for you and your family while you receive treatment for your disability.

What Steps are Required to File an SSQ Disability Insurance Claim?

There are four basic steps involved in filing an SSQ long-term disability insurance claim. The first step starts as soon as your doctor informs you that you need to take a leave of absence from work due to your disability. When this happens, contact your employer as soon as you can to find out what type of disability insurance coverage you have. Your employer will provide you with the documents you need to file your disability insurance claim.

Next, you will need to collect all of the required documents and send them to the appropriate SSQ Insurance office. Either you or your employer can send in the documentation. The contact information and mailing address for SSQ Insurance is available here.Person reviewing insurance form regarding informtion on filing a SSQ long-term disability insurance lawsuit

Once SSQ Insurance receives your claim, a case manager will consider the following information to determine whether you are eligible for disability benefits: your insurance policy, your medical condition and current treatments, your job description, and any coordination of benefits set forth in the insurance contract.

If any other information or documentation is needed, the SSQ Insurance case manager may contact you by phone.

The fourth and final step is the decision letter. After SSQ Insurance has analyzed your case, you will be notified in writing that your SSQ long-term disability claim is approved or denied. If your claim is accepted, your benefits will be deposited in your bank account. If your claim is denied, the denial letter will inform you why your LTD benefits were denied and how you can appeal the decision.

What Do I Do if My SSQ Insurance Claim Was Denied?

If your SSQ long-term disability insurance claim was denied, you still have options. The denial letter will explain the reasons you were not approved for benefits and instruct you on how to appeal the decision.

There are several common reasons why an SSQ insurance claim may be denied. The case manager may determine that the medical evidence does not provide sufficient proof of a disabling condition, that you are receiving inappropriate levels of medical treatment or care, or that they have information that shows your disability is not as severe as your doctors have said it is.

Many long-term disability companies change the definition of disability after a person has been receiving LTD benefits for a period of about two years, and they may determine that the recipient is capable of working in “any occupation.” If this happens to you, consider reaching out to a long-term disability lawyer to contest this assertion. A long-term disability lawyer can increase your chances of a successful outcome. 

How Can I File a Long-Term Disability Lawsuit?

If you have an employer-sponsored long-term disability plan and your application for benefits was denied, fill out the form on this page for a free case evaluation. A lawyer will review your case and contact you if you may be eligible to file a long-term disability lawsuit.

You may also be eligible to file a long-term disability claim lawsuit if you were previously approved for benefits that were pulled because your insurer wants to put you on a plan to return to work in a position that pays less than you were earning prior to filing your long-term disability claim.

Fill Out the Form to Get Help with Your LTD Insurance Claim 

If your long-term disability insurance claim was denied, legal help is available. Obtaining the assistance of a lawyer will increase the chances of success. See if you qualify by filling out the form on this page or clicking the link below.

Learn More

We tell you about cash you can claim EVERY WEEK! Sign up for our free newsletter.

  • This field is for validation purposes and should be left unchanged.


Get Help – It’s Free

Get Help With Your Long Term Disability Insurance Denial

If you qualify, an attorney will contact you to discuss the details of your potential case at no charge to you.

E-mail any problems with this form to:
Questions@ca.TopClassActions.com.

Please note: Top Class Actions is not a settlement administrator or law firm. Top Class Actions is a legal news source that reports on class action lawsuits, class action settlements, drug injury lawsuits and product liability lawsuits. Top Class Actions does not process claims and we cannot advise you on the status of any class action settlement claim. You must contact the settlement administrator or your attorney for any updates regarding your claim status, claim form or questions about when payments are expected to be mailed out.