Filing a disability claim with RBC in Alberta begins with notifying RBC of your intent to file a claim. This initial step involves contacting RBC Insurance through their customer service hotline or online portal to inform them of your disability and request the necessary claim forms.
Once you have notified RBC, you will need to complete the claim forms provided by the insurer. These forms typically include a claimant’s statement, which details your personal information, the nature of your disability, and how it affects your ability to work. Additionally, you will need to provide an attending physician’s statement, which is completed by your healthcare provider and outlines the medical basis for your disability. An employer’s statement form is often also required and contains basic factual employment information.
In addition to the claim forms, you will need to gather and submit supporting documentation. This may include medical records, diagnostic test results, treatment plans, and any other relevant medical evidence that supports your claim. It is crucial to ensure that all documentation is thorough and up-to-date to avoid delays in the processing of your claim.
After submitting the completed claim forms and supporting documentation, RBC will review your claim. This review process involves assessing the information provided to determine whether you meet the policy’s definition of disability. RBC may also request additional information or clarification from you or your healthcare provider during this stage.
Once RBC has reviewed all the necessary information, they will make a decision regarding your claim. If your claim is approved, you will begin receiving disability benefits as outlined in your policy. If your claim is denied, RBC will provide a written explanation of the reasons for the denial.
Common Reasons RBC Denies Disability Claims
One common reason RBC denies disability claims is due to insufficient medical evidence. Claimants must provide comprehensive documentation from healthcare providers that clearly outlines the nature and extent of their disability. Without detailed medical records, RBC may determine that the evidence does not support the claim for disability benefits.
Another frequent reason for denial is the failure to meet the policy’s definition of disability. Insurance policies often have specific criteria that define what constitutes a disability. If the claimant’s condition does not align with these criteria, RBC may reject the claim. This can include distinctions between ‘own occupation’ and ‘any occupation’ definitions of disability.
Non-compliance with treatment plans is another reason for denial. If a claimant is not following prescribed treatments or therapies, RBC may argue that the individual is not taking necessary steps to mitigate their condition, thus justifying a denial of benefits.
Claims can also be denied due to missed deadlines. Insurance policies often have strict timelines for filing claims and submitting necessary documentation. Failure to adhere to these deadlines can result in an automatic denial of the claim, regardless of its merits.
RBC may also deny claims if there are inconsistencies in the claimant’s application or medical records. Discrepancies between what the claimant reports and what the medical records show can lead RBC to question the validity of the claim. Consistency in documentation and reporting is crucial for a successful claim.
Lastly, RBC may deny claims based on surveillance or social media evidence. If RBC conducts surveillance or reviews social media activity and finds evidence that contradicts the claimant’s reported limitations, they may use this as grounds for denial. This can include activities that suggest the claimant is more capable than they have reported.
Kotak Law’s Proven Success in Challenging Denied Claims
Kotak Law provides comprehensive legal support to clients who have had their disability claims denied by RBC in Alberta. They begin by thoroughly reviewing the client’s case, including all relevant medical records, employment history, and the insurance policy details. This helps them understand the specific reasons for the denial and identify any potential errors or oversights made by the insurance company.
Throughout the entire process, Kotak Law offers personalized support and guidance to their clients. They keep clients informed about the progress of their case, explain complex legal concepts in understandable terms, and provide advice on the best course of action at each stage. This helps alleviate the stress and uncertainty that often accompanies a denied disability claim.
Kotak Law also collaborates with medical professionals to obtain expert opinions and additional documentation that can strengthen the client’s case. These expert testimonies can be crucial in demonstrating the extent of the client’s disability and the impact it has on their ability to work, thereby countering the insurance company’s reasons for denial.
By leveraging their extensive knowledge of disability law and their experience with insurance companies, Kotak Law can effectively challenge RBC’s denial of disability claims. Their dedicated approach aims to secure the benefits that clients are entitled to, ensuring they receive the financial support they need during a challenging time.
Negotiation is a key component of Kotak Law’s approach. They often engage in settlement discussions with RBC to resolve the dispute without the need for prolonged litigation. This can result in a quicker resolution and less stress for the client.
If negotiations fail, Kotak Law is prepared to take the case to court. They meticulously prepare for litigation by gathering all necessary evidence, drafting compelling legal arguments, and representing the client vigorously in court to ensure their rights are upheld.
Kotak Law also provides ongoing communication and support to their clients throughout the process. This ensures that clients are informed about the progress of their case and understand the legal strategies being employed on their behalf.
Kotak Law has a strong track record of successfully handling denied RBC disability claims in Alberta. If your long term disability claim has been denied in Alberta by RBC or any other insurer contact the lawyers at Kotak Law today for a free consultation.
