You cannot work due to injury or illness. You let your employer know and then compete an application and submit it to your disability insurance company. Your doctor fills out the appropriate form and then you wait patiently for a decision. After a while you receive a letter from the disability insurer informing you that your short term or long term disability claim has been denied as there is insufficient medical evidence to support your claim for disability benefits. Sound familiar? Here are some helpful hints to help you fight your disability insurance company and get paid.
1. Don’t give up. Many people who are suffering from anxiety simply cannot cope with the pressure from insurance companies. If you walk away you will not receive anything, Remember that you have support and if you are disabled and cannot work you are entitled to payment as per the terms of the disability policy.
2. Don’t waste time with the insurer internal appeal process. Your insurer adjuster may present you with an arbitrary deadline to submit further medical documentation at your cost and expect you to believe that one of their colleagues will disagree with their decision. You will experience endless frustration attempting to meet the insurance company’s demands. What’s the likelihood of one colleague saying their coworker was wrong in their decision?
3. Speak with an experienced disability claim lawyer. A disability lawyer will examine your case and quickly commence a law suit against the disability insurance company, They will build a medical case for you and work towards an early resolution of your claim so you are not without money for too long.
4. Follow your doctor’s advice. It is important that you see your doctors on a regular basis and that you follow their treatment advice. Your disability insurance policy will likely contain a provision that allows the disability insurer to withhold benefits if you are not taking appropriate treatment for your condition.
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 anger 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.