If your Canada Life short term disability (STD) claim has been denied, you’re not alone—and you don’t have to face this frustrating situation without support. Navigating the claims and appeals process can be overwhelming, especially when you’re also dealing with health issues that prevent you from working.
This guide will explain what you need to know about short term disability benefits, why claims are often denied, and how Kotak Law can help you fight back. We’ll walk you through everything from qualifying conditions to the differences between short and long term disability—and most importantly, provide actionable steps if your claim has been denied.
Whether you’re reeling from a denied claim or preparing to apply, read on to learn how to protect your rights and fight for the benefits you deserve.
What Are Canada Life Short Term Disability Benefits?
Short term disability (STD) benefits are designed to provide temporary financial support if you’re unable to work due to an illness, injury, or mental health issue. These benefits are typically provided through your employer’s group insurance plan and are meant to replace a percentage of your salary, often ranging from 60% to 85% of your income, depending on your plan.
How Long Do STD Benefits Last?
The duration of your short term disability benefits depends on your specific policy. Generally, they last between 15 and 26 weeks. Once this period ends, individuals who are still unable to work may need to transition to long term disability (LTD) benefits for ongoing support.
Conditions That May Qualify You for STD Benefits
Here are some examples of conditions Canada Life typically considers eligible for short term disability benefits:
- Physical Injuries: Fractures, sprains, post-surgery recovery.
- Chronic Illnesses: Diabetes complications, severe migraines.
- Mental Health Issues: Anxiety, depression, PTSD.
- Serious Illnesses: Cancer treatments, heart disease.
Not sure if your condition qualifies? Insurers like Canada Life are required to evaluate claims based on medical evidence, but they’re often quick to deny valid claims. If you’re unsure where you stand, professional legal advice can make all the difference.
Why Does Canada Life Deny Short Term Disability Claims?
Insurance companies operate like businesses—they prioritize their bottom line. Unfortunately, this leads to many short term disability claims being denied, even when the applicant has a legitimate health condition.
Common Reasons for STD Claim Denials
- Insufficient Medical Evidence
Often, claims are denied because the insurer believes the medical documentation does not adequately prove your inability to work.
- Pre-Existing Conditions
If your disability stems from a pre-existing condition, insurance companies may argue that it isn’t covered under the terms of your policy.
- Administrative Errors
Something as seemingly trivial as a missed deadline or incomplete paperwork can lead to a flat-out denial.
- Claims Disputes
Insurers may argue that your condition isn’t as severe as claimed or that you could still perform modified or alternate work duties.
If any of these reasons apply to your denied claim, it can feel like an uphill battle. The good news is that denials aren’t the end of the story. With the right support, you can contest your denial—and win.
How Kotak Law Fights Denied STD Claims
At Kotak Law, we specialize in fighting denied short term and long term disability claims. Our team of experienced disability lawyers understands the intricacies of Canada Life’s policies and knows how to hold insurers accountable. Here’s how we can help you regain control:
- Thorough File Review
We start by examining your denial letter, insurance policy, and all submitted medical documentation. This allows us to identify gaps or errors in the insurer’s decision-making process.
- Working Directly with Your Healthcare Providers
Our lawyers work closely with your doctors and specialists to gather the evidence needed to strengthen your case. This includes detailed medical reports and documentation that explicitly show why you’re unable to work.
- Litigation
Should negotiations with the insurer and their lawyers fail, our legal team is prepared to challenge the denial in court, advocating aggressively to protect your rights.
With our proven track record of success, you don’t have to go through this fight alone.
Short Term vs. Long Term Disability Claims
Understanding the distinction between short term and long term disability claims can help you plan for your financial well-being.
Short Term Disability (STD)
- Duration: Covers temporary disabilities, generally up to 26 weeks.
- Focus: Provides immediate financial support while you recover.
- Employer Coverage: Often part of a group insurance plan provided by your employer.
Long Term Disability (LTD)
- Duration: Begins after STD benefits end and can last for several months, years, or even until retirement.
- Eligibility: Typically requires a more long-term prognosis and stricter medical evidence.
- Extended Process: Usually involves more documentation and a more rigorous approval process.
Both serve as safety nets, but denial of STD benefits can leave you financially vulnerable before LTD benefits become an option. That’s why addressing claim denials promptly is so important.
Practical Steps to Take if Your STD Claim is Denied
Understand the Denial Letter
Carefully review the reasons provided in your denial letter. Identify whether the issue is medical evidence, administrative error, or policy terms.
Consult a Disability Lawyer
An experienced legal team, like Kotak Law, will ensure your appeal is strong and that your insurer complies with all legal obligations.
Don’t Face Canada Life Alone—We’re Here to Help
Facing a denied short term disability claim is stressful—but you don’t have to handle the process alone. At Kotak Law, we’re experts in navigating the complex world of disability claims, and we understand the challenges you’re facing.
With our guidance, you can fight back against an unjust claim denial, protecting your financial stability as you focus on healing. Take the first step to securing your benefits today by contacting our team for a free consultation.
