Don’t Let Your Insurance Company Deny Your Claim

Don’t Let Your Insurance Company Deny Your Claim

Disability insurance is a benefit most of us hope never to use. In reality, however, many of us do. In fact, one in three people will be disabled for 90 days or longer at least once before age 65. Unforeseen circumstances, an illness, or an accident may leave us unable to work. It is a very stressful time. The average length of a disability that lasts over 90 days is 2.9 years.

It can be difficult finding ways to cope. If you are unable to work, you are most likely worried about financial responsibilities and providing for your loved ones. This is where disability insurance should kick in, as a financial safety net for the unexpected. However, oftentimes the road to a successful disability claim can be arduous and end up nowhere.

If you have filed a disability claim and it has been denied, you are probably unsure of what to do next. Keep in mind that simply because your claim has been denied, this does not mean it is invalid. In fact, denying a disability claim is a commonly used tactic.

Return to Your Specialist

If your disability claim has been denied, your first step should be to return to your specialist. You may find that your specialist has not provided enough medical information for your claim to be successful. In many cases, claimants will find that their primary care physician has written a detailed letter but the specialist, for whatever reason, has written a very short report. You should request from the specialist more detailed information that specifically addresses the issue of why you cannot work so that you may then submit this information to the insurance company.

Make a Claim to the Canada Pension Plan and Ontario Disability Support Program

These programs may offer you benefits if you have made enough contributions or are deemed eligible. They both provide income support, based on financial qualifications and the extent of your disability. Applying to both these programs takes time, but can be very helpful while fighting for your Long term Disability Benefits.

Hire A Lawyer

Upon notification that an insurance company has denied a disability claim, many claimants fail to take action. At this point, it is very important that you know your rights, what options are open to you, and what resources are available. The best way to ensure that you understand your rights and obligations is to seek the help of a disability insurance lawyer.

It’s important to remember that claims adjusters are not on your side. Their main objective is to make sure they pay you as little as possible for your claim or find an excuse to deny it outright. A legal professional with experience fighting insurance companies can assess what you are entitled to and how to secure those benefits for you.

With the Share Law Guarantee of experience, empathy, and results as well as not charging legal fees unless they secure benefits for you, you can rest assured that your case is moving forward without costing you anything upfront. Feeling Unsure? Find out if you have a case!