Denials of Disability Benefits
- Many employees are entitled to disability benefits yet don’t apply or are denied and do not follow through
- If you become disabled, you have to meet certain conditions and fall into the definition of “disability” as defined in your insurance policy - the definition of “disability” is unique to each policy of insurance
- Policies may consist of a short term disability plan (typically provides benefits for up to 6 months) or a long term disability plan (generally these benefits begin where others such as sick leave, short term disability, or EI medical benefits end) or both
Initial denial of disability benefits is common and does not mean that the matter is concluded – we can assist with navigating the insurer’s internal appeal process or in starting a claim against your insurer for breach of contract - Dealing with insurance companies, policies of insurance, and fine print can be stressful and time consuming – we can take care of pursuing your insurance company where your right to coverage under your policy of insurance has been denied
- When coverage has been denied there are often critical deadlines that must be met to initiate the insurance company’s internal review process or start a claim for breach of contract – we can assist in making sure these deadlines aren’t missed
- In order to successfully dispute a denial of coverage you need medical documentation supportive of your disability claim – we can provide advice and guidance in obtaining assessments and strengthening your case
