If you have had long-term disability denied, then you are not alone. Long-term disability insurance applications are commonly denied. Canada has some of the highest rates of long-term disability denials. 

So in theory, if you have had your long-term disability denied, you are in the company of many others. There is little reason to be discouraged though because many people who have had long-term disability insurance denied go on to have successful claims. An Ontario long-term disability lawyer can help you through the process. 

How Does Long-Term Disability Work in Canada?

If a person suffers from a disability or injury that prevents them from working, then they may claim long-term disability insurance as payment to cover living expenses. LTD is meant to be a financial resource to provide a policyholder with income while they cannot work. If LTD insurance is accepted, then the policyholder will receive a portion of their usual monthly income. Some LTD insurance classifies a person as having a total disability that prevents them from working in any job position. Other LTD insurance is for a disability that stops a person from being able to do their current job, but they could be fit to work another position.

Long-term disability in Canada is based on either private insurance or government-based disability benefits. Private insurance comes from an employer or separate insurance agent. The Canada Pension Plan (CPP) is a government-provided LTD insurance. Both private and government LTD operate differently and have unique processes for claims and appeals. 

Why Was Your Long-Term Disability Denied? 

As stated before, it is so common to have long-term disability denied. There are a lot of reasons why long-term disability insurance claims are denied. To find out why your long-term disability was denied, check the letter that was sent to you by the insurance company. Insurance companies will inform you of the reasons you have been denied for long-term disability insurance. Depending on the circumstances, some letters are vague or complicated. It has been alleged by some lawyers that insurance companies deny long-term disability to conserve their profits, especially if you have a legitimate claim and they still deny you. An Ontario long-term disability insurance lawyer is usually well versed on the claim and appeals process and can help you understand your options if your legitimate claim is denied.

What is Involved in the Long-Term Disability Appeal Process? 

Taking the steps to appeal a long-term denial requires several actions. First, start with the deadline of your appeal. If you choose to appeal and you do not do it within the deadline, you can miss out on having your long-term disability claim considered. The next step is gathering all of the necessary documents to put together the appeal. There are several documents that may be necessary, including the long-term disability denial letter, a copy of your insurance documents, medical records, and others. If there are any shortfalls in these documents, those are potential reasons for why your long-term disability was denied. Sometimes it is necessary to clarify or explain the diagnosis and how you are unable to work due to your illness or injury. More documentation could be necessary to provide evidence to insurance companies. Send in your appeal letter with the documents you have gathered. Having a long-term disability lawyer help you with these tasks is beneficial. A long-term disability lawyer can help you gather all of the essential documents and evidence to create a stronger case. 

Should You Hire a Long-Term Disability Appeal Lawyer?

You should definitely request a long-term disability appeal lawyer. Long-term disability denials are common and many lawyers are experienced with these cases. Having a lawyer to help is advantageous to carry out long-term disability appeals. Many lawyers dedicate their careers to just long-term disability claims and they are knowledgeable about all of the ins and outs of long-term disability denials in Canada. 

Will a Lawyer Help with a Long-Term Disability Appeal Sample Letter?

Getting a lawyer to help with a long-term disability appeal sample letter is to your advantage. The process of the appeal can be complicated and confusing, and you might not be sure what to include in your letter to have it be accepted by the insurance company. Fortunately, long-term disability lawyers are experts in the appeal process. An LTD lawyer can help you piece together all evidence and documents as well as the appeal letter to help you have a successful long-term disability claim. Getting in touch with a lawyer to find out how to begin is the first step in what may be a long process. Having a lawyer by your side can make the appeal process run smoother.