Receiving a denial for your long-term disability claim can feel like a crushing blow. After paying your insurance premiums and depending on this vital financial support, it can be stressful and confusing to have your benefits denied. The good news is that a denial doesn’t have to be the end of the road. By taking the right steps, you can hold the insurance company accountable and fight for the benefits you deserve.
At Kotak Law, we understand the frustration and anxiety that comes with a denial. That’s why we operate on a contingency basis, meaning you don’t pay us unless we win your case. This ensures you can access top-quality legal representation without financial stress, and our team is fully committed to securing the benefits you deserve.
Here’s what you need to do if your long-term disability claim is denied in Alberta.
Step 1: Carefully Review the Denial Letter
The first step in addressing a claim denial is to thoroughly review the denial letter issued by your insurance company. This letter will outline the insurer’s reasons for rejecting your claim. Common reasons include insufficient medical evidence, unanswered questions about the severity of your condition, or not meeting the insurer’s definition of “disabled” under your policy.
Understanding why your claim was denied will help you build a stronger case when challenging the decision. Take the time to review the letter carefully, and don’t hesitate to consult with a legal professional if any parts of the explanation seem unclear.
Step 2: Collect Supporting Documentation
Once you’ve identified the reason(s) for the denial, the next step is to gather all relevant supporting documentation. This may include:
- Medical records and reports from your healthcare providers detailing your diagnosis, treatments, and limitations.
- Employment records, including job descriptions and evidence of how your condition affects your ability to perform your work.
- Copies of any correspondence you’ve had with the insurance company.
If your insurer claims that your medical evidence is insufficient, consult with your doctor to ensure their reports clearly address your condition and how it impacts your ability to work. Strong medical documentation is often key in challenging an insurer’s decision.
Step 3: Skip the Internal Appeal Process
Many insurers offer an internal appeal process as the first step for disputing a denial. While this may seem like a straightforward path, it’s rarely in your best interest. Internal appeals are handled by the same individuals or teams who initially denied your claim. This means the appeal process often yields the same outcome and delays your ability to pursue more effective options.
Instead of pursuing an internal appeal, consider skipping directly to the next step for a stronger approach.
Step 4: Consult with an Experienced Disability Lawyer
If your long-term disability claim has been denied, one of the smartest moves you can make is to retain an experienced disability lawyer. Taking legal action against a large insurance company may feel daunting, but having a legal expert by your side can make all the difference. Here’s how a lawyer can help:
- Managing Complex Legal Processes: Disability claims involve complex rules, deadlines, and procedures. A lawyer will handle all these aspects, ensuring your case is filed correctly and within the required time limits.
- Standing Up to Insurance Companies: Dealing with insurance adjusters can feel like an uphill battle. A lawyer will take on this responsibility, negotiating directly with the insurer so you don’t have to face the pressure alone.
- Building a Strong Case: Lawyers experienced in disability claims know how to strengthen your case, whether by gathering expert testimonies, obtaining additional medical evidence, or identifying flaws in the insurer’s reasoning.
- Maximizing Your Chances of Success: A skilled lawyer is your best ally when pursuing litigation against an insurer. Their knowledge and experience can significantly increase the likelihood of obtaining a favorable resolution.
At Kotak Law, we make this process as accessible and stress-free as possible by offering our services on a contingency basis. This means you’ll only pay us if we’re successful in winning your case, allowing you to focus on your health and recovery without worrying about legal fees.
Step 5: Don’t Delay Taking Action
Timing is critical when challenging a denial of your long-term disability claim. Alberta law imposes strict deadlines for filing lawsuits against insurance companies, so acting quickly is crucial. Delaying action could result in losing your right to sue and forfeiting your benefits.
Contacting a lawyer as soon as possible ensures all deadlines are met, giving your legal team the time needed to prepare a strong case.
Final Thoughts
Being denied long-term disability benefits in Alberta is a frustrating and challenging experience, but it’s not the end of the story. By skipping the internal appeal process and working with an experienced disability lawyer, you can stand up to the insurance company and fight for the benefits you’re entitled to.
At Kotak Law, we specialize in helping Alberta residents who have had their long-term disability claims denied or terminated. With a contingency fee structure, we provide top-notch legal advocacy without adding to your financial burden. If your claim has been denied, don’t hesitate to contact us for a free consultation. Together, we can take the first steps toward achieving a successful outcome.
