The sooner you consult with a personal injury lawyer about your potential long term disability claim, the better your chances are of receiving the maximum benefits you are entitled to. As your lawyer, Jwan Desai can help you avoid these common mistakes that may result in the delay or denial of long term disability benefits.
Submitting an Incomplete LTD Application
We advise claimants to always double-check their answers to ensure all questions are answered clearly and correctly. If a question does not apply to you, be sure to note it in the space provided. Jwan Desai will review your policy(ies) to identify all provisions as your insurer may interpret them, review your claim to help avoid mistakes or omissions, and assist you in preparing a thorough and successful job description to best represent your entitlement to LTD benefits.
Failure to Provide Sufficient Medical Evidence
A doctor's note is simply not enough. You will need to provide detailed information that specifically explains why your disability renders you unable to work, especially if your claim involves symptoms such as chronic pain or depression. You will need to include comprehensive medical reports from your physician(s) that clarify how your symptoms limit your functionality in the workplace. Jwan Desai will help you determine which medical documentation is relevant to your LTD claim and how to best present your information to your insurer(s).
There are specific time restraints associated with all disability insurance claims and any delay in proceeding may be subject to a deadline. In many cases, claimants may receive a denial of benefits due to a failure to meet the deadlines of their claim. As your lawyer, Jwan Desai will review your potential claim and clarify these deadlines to avoid complications with your claim.
Resigning from Work
We strongly advise against quitting your job as your resignation may have serious and even permanent consequences. You must be actively employed when you become disabled in order to submit a claim for LTD benefits. By resigning, you forfeit the disability benefits that you invested in as an employee.
Don't Give Up! - Appeal Your Disability Claim
If your insurance company denies your claim, it does not mean that your LTD claim is invalid. You have the right to request a written statement detailing the specific policy provisions that were the basis for your denied claim. Jwan Desai has worked with numerous clients in Toronto to help them appeal a denied disability claim and obtain their rightful benefits. If your LTD claim has been denied contact LTD Law Firm today for your free consultation and case assessment. Click Here to Appeal Disability Claim