Making A Disability Claim
Making A Disability Claim
Disability Plans or Programs
There are varying types of disability benefits plans and programs in Canada. Each plan has its eligibility criteria meaning that you don’t automatically qualify for these benefits.
The first step in making a disability claim entails taking stock of the disability benefits you might qualify for. It’s possible to be eligible for more than one disability benefit.
Some disability benefits you may qualify for include:
Sick Pay from Employer
Employment Insurance (EI) Sickness Benefits
Short-term Disability Benefits
Long-term Disability Insurance Benefits
Canada Pension Plan Disability
Disability Tax Credit
Workers Compensation Benefits
Veterans Affairs Canada Disability Benefits
Provincial Disability Benefits or Income Support Programs
Get support from your doctor
To get approval for your LTD benefits to claim, you must prove that you have a disability. You will need to provide documents and medical records from your healthcare providers to prove the existence of physical or mental conditions that impact your ability to work.
The healthcare provider can be any of the following professionals:
Your health care provider will usually:
Complete the application and attach supporting documentation
Plan Member Statemen
Plan Sponsor Statement
Attending Physician’s Statement
Submit the application
There are time constraints/deadlines for submitting a claim application. Always confirm with your insurance company or personal injury lawyer what the deadlines are so that you don’t affect your chances of getting approval for your claim. Missing a deadline may mean having your claim denied.
Following the submission of your application, your insurance provider assigns a case manager/adjudicator/claim representative to your case to review the application and offer their assessment.
The case manager will interview you via telephone or home visit to evaluate the following:
Seek Legal Advice
The process of filing an LTD claim can be a lengthy, difficult, and confusing process. Policies differ markedly between insurance providers. The submission of an incomplete and inaccurate application lead to the claim being denied.
Get the help of a disability lawyer or personal injury lawyer towards understanding the details of your policy, guiding through the process, reviewing forms, notifying you of approaching deadlines, and dealing with the insurance company. Ottawa Disability Lawyers will do everything in their ability to secure timely and acceptable benefits. Insurance companies deny claims or offer a lower amount even when an individual has a legitimate claim for long-term disability benefits.
Contact Ottawa Disability Lawyers for a free consultation and help with long-term disability claims. We focus on representing our clients against all major insurance providers in Canada.