When you’re dealing with a disability, the last thing you want to face is a denial from your insurance company. Unfortunately, many people find themselves in this exact situation with Manulife. The main reason for these denials? Insufficient medical evidence. It might feel frustrating and disheartening, but there are steps you can take to fight back and get the benefits you deserve.
Understanding why your claim was denied is crucial. Manulife often cites lack of adequate medical evidence, but what does that mean exactly? Essentially, they’re saying that the documentation provided doesn’t sufficiently prove your disability status.
“It can be a distressing experience to have your disability claim denied, especially when you’re already struggling with health issues,” says Nainesh Kotak of Kotak Law.
If your claim has been denied, by Manulife don’t lose hope. Start by taking these important steps:
Request a Detailed Explanation: Ask Manulife to provide a comprehensive reason for the denial. Understanding their perspective can help you address the specific issues they identified.
Gather Additional Medical Evidence: This might include further tests, reports from specialists, or detailed medical records. Make sure everything is up to date and clearly shows the extent of your disability.
Seek Legal Assistance: Consulting with a disability law firm, such as Kotak Law, can significantly improve your chances of overturning the denial. They handle such cases and can guide you through process of fighting the denial or termination of your disability benefits.
By following these steps, you can build a stronger case and increase your chances of receiving the benefits that you are entitled to. Remember, you don’t have to navigate this challenging process alone. Support is available to help you every step of the way.
The lawyers at Kotak Law know that experiencing a disability can be overwhelming, and when your claim is denied by an insurer like Manulife, it can add unnecessary stress to an already challenging situation.
Strong medical evidence should include detailed notes from your healthcare providers. When fighting a case Kotak Law will obtain those records. It’s not enough to list your primary disabling condition. Medical providers should chart all symptoms and restrictions, even those that might not be totally disabling on their own. Why? Because these details create a comprehensive picture of how your disability impacts your ability to perform both “own occupation” and “any occupation” tasks.
For instance, if you have chronic back pain that prevents you from sitting for prolonged periods, make sure this is noted along with any accompanying symptoms, such as numbness or mobility issues. This level of detail can significantly bolster your claim by demonstrating how the disability disrupts your daily life and professional duties.
Besides medical records, other forms of documentation can also support your claim. These may include:
– Test results such as MRIs, X-rays, or blood work
– Notes from physical therapy sessions
– Personal journals that log daily symptoms and their impact on your life
Remember, it’s essential to be pro-active about your claim. Regularly check in with your healthcare providers to ensure thorough documentation, and don’t hesitate to seek legal advice if your claim is denied. With the proper preparation and support, you can effectively navigate the complexities of disability claims.
When dealing with a denied disability claim by Manulife it’s important to remain patient and methodical. Start by meticulously reviewing the denial letter. This document will outline the specific reasons why your claim was rejected, which can help you understand any gaps or deficiencies in the evidence you provided. Kotak Law can compare these reasons to the stipulations outlined in your insurance policy.
Filing a lawsuit against an insurance company like Manulife can be a viable next step. Legal professionals like the team at Kotak Law, are recognized by peers handling such cases and can guide you and effectively resolve your case in the litigation process.
Your lawyer at Kotak Law can also help ensure all pertinent documentation is meticulously organized and presented, increasing the likelihood of a favourable outcome. Remember, the goal is to demonstrate that your condition meets the insurer’s criteria for long-term disability benefits.
Kotak Law has successfully represented many people who have had their disability claims denied or terminated by Manulife. They represent clients throughout the country and have a proven track record of success.
If your long term or short term disability claim has been denied by Manulife call the lawyers at Kotak Law today. They work on a contingency basis which means they only charge once your case resolves.
