What You Need to Know When Filing for Disability Benefits in Ontario
If you are unable to work due to a disability, you may have the ability to file a claim for disability benefits with your private or employer disability insurance policy. Unfortunately, many people are denied these benefits by their insurance companies. Before you file, know what you will need so there is less chance of a denial.
Know What You Are Covered For
In Canada, if you are disabled, you may be able to file a disability claim for anything that can affect your ability to work. But your policy may have limitations and specific requirements on what it will consider a covered disability. Before you file a claim, you should understand what your policy’s limitations are.
Supporting Medical Evidence
When filing a disability claim, you will need supporting medical evidence of your diagnosis and your future prognosis. Insurance companies are constantly looking for fraud, which means that people with legitimate claims will find it harder to prove them. Consequently, it is imperative that you keep all medical records, attend all appointments, and follow your provider’s treatment plan. It is also important not to post anything on social media that may be incriminating to your claim.
You may also want to offer supporting evidence from family members and friends about how your disability affects your everyday life. This is evidence that will not show up on your medical records.
Filing For Disability Can Be Complicated
Paperwork for filing for a disability claim may be very complicated, and any mistake can be used to justify a denial. Getting a fair settlement may require negotiation, which is why you want to be armed with as much confirming evidence as possible. You may even need the help of expert witnesses or an attorney to help you substantiate your claim.
You Have a Right to Appeal
If you have been denied disability, you have the right to appeal. It is helpful to get an experienced Ontario disability lawyer’s assistance to guide you through the appeal process to get the benefits you need.
If you need help filing for disability benefits or guidance in an appeal, the experienced disability insurance lawyers at Hilborn & Konduros Law Firm are here to help. Contact us for a free consultation at (519) 658-6341 to discuss your claim.
