In Canada how do long
term disability claims work? What do I need to do to apply?
Most people with long term disability
insurance coverage have it as part of the group benefit package offered by an
employer. When you find yourself in a position where, as a result of an injury
or illness, you are unable to work, you should request the necessary forms from
your employer. This will typically require that you, your employer and your
treating physician complete forms to be submitted to the insurance company.
When the insurance company has received these forms and any additional
information that it believes it requires to process your claim, it will make a
determination of whether or not you are “totally disabled” based on the
definition of disability contained in the insurance policy.
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