Filling a Disability Insurance Claim: What Paperwork Do You Need?

Filling a Disability Insurance Claim: What Paperwork Do You Need?

Filing a disability claim seems like it should be a simple and straightforward process. The law allows people to receive disability benefits if a mental or physical illness hampers their performance in the workplace, a provision that was set up explicitly to give people the time and resources needed to recover.   

Unfortunately, the act of filing that disability claim can often turn into an overwhelming situation that leaves people feeling both confused and frustrated. Many insurance providers will try to avoid paying disability claims. They will argue that someone’s condition is not severe enough to prevent them from working or cite insufficient medical evidence as grounds for rejecting a claim, even in cases in which the applicant has an official medical diagnosis.

So what can you do to increase your chances of success? For starters, find out what kind of coverage is included in your company’s insurance policy. You should be able to get a copy of that policy from your company’s HR department and the Government of Canada has some basic guidelines that will let you know what to look for once you have it. Those guideless will also let you know what to expect from the claims process itself.

Generally speaking, insurance companies want to see “objective” proof of a condition, usually in the form of imaging tests like x-rays or an MRI. However, many conditions cannot be diagnosed with that kind of documentation. In these cases, it helps to have an established history with a medical practitioner. The more detail you can provide about your condition – including its symptoms, its duration, your treatment program, and the impact it has had on your life – the more likely it is that your condition will be recognized as legitimate grounds for a disability claim.

If your claim has been denied, Share Lawyers is always happy to answer any questions you may have about your case. At the initial meeting, we don’t need to see anything beyond your denial letter and a copy of your company’s disability policy. We’ll be able to figure out what other documents we need to collect once we have a better understanding of your case.

After we review all of the necessary information, we’ll use it to make sure you get the disability benefits you deserve. At Share Lawyers, we’re here to make the insurance process feel a little less intimidating, so don’t be afraid to reach out and ask for help if you’re worried about your claim.

Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We have recently settled cases against RBC Insurance, Desjardins, Industrial Alliance, Sun Life, Blue Cross, Manulife, and many more. We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.