Step by Step Guide on How to Make a Successful LTD Application

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Whether you are considering filing a short-term disability claim or a long-term disability claim, here are some steps you can take to make sure you have the best chance of having your claim approved.

1. Read through your insurance policy – familiarize yourself with the part of your policy that dictates the proper procedure for filing a short-term disability claim or a long-term disability claim.

2. Make sure you file the claim in a timely manner to avoid missing any deadlines and the Statute of Limitations.

3. Keep records of everything related to your short-term disability claim or long-term disability claim case. This can include:

  • Up-to-date clinical records
  • Records from any hospital or specialists
  • List of medications that you are taking
  • Copies of diagnostic tests, scans, x-rays, and bloodwork
  • Copies of all correspondence from and to your insurance company
  • Notes of your conversations with the insurance companies and your doctors and nurses
  • A journal in which you keep track of your symptoms, doctor visits, and progress – this can be especially important for “invisible disabilities” such as mental illness, chronic pain, PTSD, and fibromyalgia when traditional diagnostic tests do not indicate disease
  • In addition, a narrative report from your specialist or primary physician is often the best evidence on appeal. That report should contain not just your diagnosis and that physician’s opinion on your disability but also a thorough treatment of your symptoms, how they affect your functionality both in and out of the workplace, the treatment you are undertaking and, if available, your prognosis into the future. 

4. It is important that your doctor conduct a thorough medical examination and refer you to the appropriate specialist. 

5. Be aware that your insurance company will probably have you under surveillance to try and prove you are not disabled so be careful about sharing things on social media. 

VIDEO: When Should I Hire a Lawyer to Help With My Disability Claim?

What Should I Do if My Short-Term Disability Claim or Long-Term Disability Claim Is Denied?

Many disability claims are denied when first submitted. Individuals with no experience with disability claims can, understandably, feel intimidated by large insurance companies and overwhelmed by their claims process. Despite your best efforts, you have now been denied the benefits you feel you’re entitled to. And on top of that, you’re managing the symptoms of your disability, which are often painful and challenging.

Contact Share Lawyers after your claim has been denied or terminated because the earlier a lawyer is involved, the better your chances are of getting maximum benefits. Remember, the initial consultation with our office is free and once you have provided us with a sufficient amount of information we can discuss the next best steps for you.

The bottom line is that you shouldn’t give up. Perseverance may yield results. If you feel you cannot do it alone, seek help from one of our experienced long-term disability appeal lawyers here at Share Lawyers. A lawyer who has experience with disability claims can help level the playing field. 

At Share Lawyers, we understand the stress that dealing with a disability can bring, especially when your claim has been denied. You don’t have to deal with the stress alone. Our team of long-term disability appeal lawyers is here to help you every step of the way.

If you have had your claim for long-term disability denied, contact the long-term disability insurance lawyers at Share Lawyers. Our experienced team of long-term disability (LTD) lawyers can help. We have recently settled cases against Canada Life, Desjardins, Manulife, RBC Insurance, Sun Life, 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.

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