Welcome and thank you for visiting our website. We offer legal services for individuals struggling with short-term disability (STD) claims in Edmonton. Our team of experienced STD lawyers in Edmonton is here to help you navigate the complex process of making a successful claim and to advocate on your behalf if your claim is denied.
How to Make a Short-Term Disability Claim in Edmonton
If you cannot work due to an illness or injury, you may be eligible for short-term disability benefits. These benefits are intended to provide an income replacement for a period of time while you are unable to work due to a disability. The process for making a short-term disability claim in Edmonton can be confusing and overwhelming, but our lawyers are here to help.
The first step in making an STD claim is to notify your employer and the disability insurer that you cannot work due to an illness or injury. Your employer or the disability insurer will provide you with the necessary paperwork to begin the claims process. This paperwork includes the documents and forms that are required to apply for disability benefits and typically include:
- A document/form that you have to complete (often referred to as a “Claimant’s Statement”, “Employee Statement” or “Plan Member Statement”);
- A document/form that your employer has to complete (often referred to as an “Employer’s Statement” or “Plan Sponsor’s Statement”); and,
- A document/form that your doctor or medical practitioner has to complete (often referred to as an “Attending Physician’s Statement”).
1. Plan Member’s Statement
The Plan Member’s Statement is a form you complete, providing information about your medical condition and describing your inability to work. This form will typically ask for details about your symptoms, diagnosis, and treatment plan. You must provide as much detail as possible on this form, as it will be used to determine your eligibility for benefits.
2. Plan Sponsor’s Statement
The Plan Sponsor’s Statement is a form your employer completes, providing information about your employment and the benefits you are entitled to. This form will typically include details about your salary, position, and length of work. This form must be completed accurately, as any errors or omissions can delay the processing of your claim.
3. Attending Physician’s Statement
The Attending Physician’s Statement is a form that your doctor completes, providing information about your medical condition and it should detail why you are unable to work due to your disability. This form will typically ask for details about your diagnosis, treatment plan, and prognosis. Your doctor must provide detailed information on this form, as it will be used to determine your eligibility for benefits.
Once all the necessary forms have been completed, you will submit them to the insurance company responsible for administering your STD benefit claim. The insurance company will review your claim and determine whether you are eligible for benefits. The insurer may also ask you to submit clinical notes and records from your treating doctors or medical practitioners.
My Short-Term Disability Claim Was Denied
A short-term disability claim is a type of insurance claim that provides income replacement benefits to individuals unable to work due to a covered illness or injury. When a short-term disability claim is denied, the insurance provider has determined that the individual is not eligible for benefits under the terms of the policy.
If your short-term disability claim is denied, it can be a frustrating and stressful experience. However, it is essential to remember that a denial does not mean that you are not entitled to benefits. There are many reasons a claim may be denied, including errors or omissions on the forms, a lack of medical evidence to support your claim, or a disagreement between your doctor and the insurance company.
If your claim has been denied, our STD lawyers in Edmonton can help. We have experience advocating for clients whose claims have been denied, and we can work with you to gather additional medical evidence and address any issues that may have contributed to the denial of your claim. We will work tirelessly on your behalf to ensure that you receive the benefits to which you are entitled.
How Our Lawyers Can Help You
If you are struggling with a short-term disability benefit claim in Edmonton, our lawyers are here to help. We understand the complex nature of these claims and the impact a denial can have on your life. Our goal is to provide you with the support and guidance you need to navigate the claims process and to dispute the denial of a short-term disability benefit claim in order to ensure that you receive the benefits to which you are entitled.
If your STD benefit claim is denied, we will work closely with you and your doctors to gather the necessary evidence to support your claim and prove that your claim was wrongfully denied. We will also communicate with the insurance company or their legal representatives on your behalf.