Unfortunately, many disability insurance companies will try to find a reason to deny or terminate your short or long term disability benefits. Here are some tell tale signs you should watch out for.
1. Surveillance – Disability insurance companies will hire private investigators to follow you with the hope that they catch you doing something inconsistent with being disabled.
2. Tell you over the phone that you should be working – Unfortunately, some case officers employed by disability insurers will badger you with repeated calls and tell you that they think you should be working. This is worrisome because that view is now becoming entrenched in their mind.
3. Have an insurance company nurse contact your doctor – Your doctor is undoubtedly quite busy and will often be reluctant to keep filling out forms that you need for your disability claim. A disability insurance company staff nurse may speak with your doctor briefly over the phone and mischaracterize your doctor’s view of your work related restrictions. They may follow up with a summarizing letter and your doctor may fail to correct any errors unless you intervene.
4. Arranging various assessments – Your disability insurance company may send you to their own favourite doctors or functional ability assessors. Often those doctors are not really independent and will give an opinion that you should be able to work despite what you and your doctors say.
Fighting a denial or termination of short or long term disability benefits is a tricky process. The disability insurance company will place many hurdles in your path to justice. An experienced disability claim lawyer will review all of the documentation and start your law suit early. They will understand that you are undergoing hardship without a source of income. They will help you with a CPP disability claim if necessary. They will bring the case to an speedy resolution so your financial burden is lifted.
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If you have been denied short term or long term disability benefits by a disability insurance company you are no doubt feeling frustrated by the process. At Kotak Law we are committed to helping people access the disability benefits they have been denied and we understand your frustration with your disability insurance company.
We offer free consultations and don’t charge until your case is resolved. We represent people throughout Ontario and for those who cannot meet us at one of our offices we offer consultation at your home, a local coffee shop, courthouse, by telephone, Skype or WhatsApp.