How to Help a Loved One Whose LTD Claim has been Denied

How to Help a Loved One Whose LTD Claim has been Denied

When someone you love is unwell and their disability benefits have been denied, it’s normal to feel a mixture of emotions. Concern, compassion, disbelief, anger, anxiety, guilt and grief are all understandable given the circumstances. It’s hard to watch someone you love face challenges, especially when those challenges affect their health and well-being, and can cause some serious financial strain. The great news is there are things you can do to help a loved one!

Things You Can Do To Help A Loved One

Loved ones can play a big part in helping a person recover, work towards their goals, and stay well. Care and emotional support go a long way in recovery and well-being. Practical help, like managing doctor’s appointments and other daily tasks can make a big difference as well. You can also play a part in helping a loved one maintain his or her well-being. You and other close supporters may be the first to notice changes in a loved one’s mood, behaviour, self-care, or any other area that shows their physical or emotional health may be worsening. This means you can help your loved one find the right help early. You can also remind them to see hope at a time when they feel it the least.

Stay Positive To Help A Loved One

Most importantly, stay positive! If your love one filed a disability claim and it has been denied, you are probably unsure of what to do next. Keep in mind that simply because their claim has been denied, this does not mean it is invalid. In fact, disability claim denials happen quite frequently. While private insurance companies are tight-lipped about their claim-denial rates, government data offers an insight into the prevalence of the phenomenon. For example, most initial applications to the Canada Pension Plan (Disabilities Section) are not accepted. In fact, in a single year, 57% were rejected. Anecdotal evidence from many disability insurance claimants suggests a similar pattern in private insurance companies.

Denial of your loved one’s disability claim should not be seen as the end of the road. Your loved one may feel disheartened, but should by no means abandon their claim. It’s encouraging to know that workers with many different injuries or illnesses, from all walks of life, have had disability claims denied. As soon as your loved one decides to apply for disability benefits, encourage them to consult a qualified, long-term disability lawyer to help them with their case!


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