Long Term Disability Denial in Ontario – There is Hope
What Do I Do If I Have Been Denied Long-Term Disability in Ontario?
If you are unable to work because of a disability, having your long-term disability benefits denied can feel frustrating and overwhelming. But we’re here to tell you that this happens far too frequently. Insurance companies are becoming increasingly selective about who gets benefits and who doesn’t, even if your claim is completely legitimate.
Why Insurance Companies Deny Long-Term Disability Claims
Insurance companies, in purporting to combat fraudulent activity in disability claims, have begun to go to the opposite end of the spectrum in their denial of benefits. And in their quest to deny claims, there are specific areas that they will typically look at.
Lack of Sufficient Documentation
The insurance company will need thorough documentation about the condition that renders you unable to work. If your documentation lacks in any way, you can be denied. Insurance interpretation and your interpretation of information may be completely different. It’s very important to file complete documented evidence of your disability according to their rules and interpretations.
Interpretation of “Total Disability”
The interpretation of “total disability” can shift over time. Initially and for the first two years, “total disability” is interpreted to mean that you can’t perform the duties of your own job, even if you can hold a different job. After two years, this interpretation shifts to one meaning that you can’t perform any job to which you are suited considering your experience and education. Many benefits are denied at this two-year mark because of that shift in interpretation.
There is a Future Beyond Denial
Denial is not the final word. Unfortunately, appealing long-term benefit denials can be complex and frustrating. The Ontario accident lawyers at Hilborn and Konduros have experience dealing with disability insurers and know exactly what documentation they need and what they are looking for. Call us at (519) 658-6341 to understand how we can protect your rights after a long-term disability claim denial.
