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  • Charles Baker

What Should I Do If I Have Been Denied Long-Term Disability Benefits?

Millions of Canadians rely on long-term disability (LTD) insurance benefits in the face of catastrophic injuries or illnesses. Unfortunately, getting a claim for long-term disability benefits denied is not uncommon. If your LDT claim was denied, it is essential to understand your legal rights and options.

Consider speaking with a long-term disability lawyer in Newmarket to determine your best course of action if your LTD claim is denied.

Why Do Insurance Providers Deny Long-Term Disability Claims?

There are numerous reasons a long-term disability claim can be denied. When the insurance provider denies an LTD claim, it must send a letter notifying the insured of the reasons for the denial.

Often, the letter issued by the insurance provider contains vague or complex language in an attempt to take advantage of your lack of legal knowledge. For this reason, if your long-term disability claim was denied, you might want to consider consulting with an LTD lawyer to understand the reason for the denial and determine if you can appeal the provider’s decision.

How to Appeal the Denial of a Long-Term Disability Claim?

If the insurance provider denies your LTD claim, you may have a right to appeal the denial to fight for the benefits to which you are entitled. If you are considering appealing your denied long-term disability claim, contact a lawyer to review your policy and prepare a strong appeal case to increase your chance of a positive outcome.

You need to take several steps when appealing the denial of your long-term disability claim in Ontario, Newmarket, and York Region:

1. Find out the deadline for filing an appeal.

As you start building your appeal case, you need to identify the deadline for filing an appeal. Missing the deadline means your appeal is likely to get rejected.

2. Gather documentation.

As you build your appeal case, you need to gather documentation to convince the insurance provider that your claim should be approved. The documentation you need depends on the reason why your LTD claim was denied. For example, if the company denied your claim because of insufficient medical evidence, you might need to collect relevant medical records.

3. Identify and fix errors or weaknesses in your long-term disability claim

As you put together your appeal, you need to identify the potential errors and weaknesses in your LTD claim that contributed to the insurance provider’s decision.

4. Contact a lawyer.

Consider hiring a long-term disability lawyer to help you fight the denial of your LTD claim.

5. Send an appeal letter.

Finally, you need to send an appeal letter to the insurance provider along with the supporting evidence and documentation.

How Can a Long-Term Disability Lawyer Help?

If your long-term disability claim has been denied, there are a number of ways a skilled lawyer can help:

  • Review the denial letter to determine why your LTD claim was denied

  • Advise you on your next steps to appeal the insurance provider’s decision

  • Gather additional documentation and evidence for your appeal

  • Communicate and negotiate with the insurance provider

Insurance companies are more likely to deny a long-term disability claim when a claimant is not represented by a lawyer. Insurers try to take advantage of the claimant’s lack of legal knowledge to deny valid claims. A lawyer knows all the tricks insurance providers use and ways to fight back.

Contact Long-Term Disability Lawyer Baker Doodnauth

As an experienced and results-driven civil litigation lawyer, Baker Doodnauth helps people in Newmarket and York Region fight for the long-term disability insurance benefits they deserve. Mr. Doodnauth understands how the LTD claims and appeal processes work, which is why he can help people challenge the denial of their claim. Contact Baker Doodnauth, a long-term disability lawyer in Newmarket/York Region, whether you need to file an LTD claim or appeal a denial. Call 905.895.8184 to schedule a case review.

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