Byline: Will Jones
Filing for disability can be a tremendously taxing task for many people in Canada. First, there are the logistics, including the sheer volume of paperwork and supporting documentation you must assemble and submit, along with the emotional toll that the process takes.
Disability claims have become an unexpectedly tumultuous area in recent years. Many Canadians have faced unexpected challenges, with some of their disability insurance claims being outright denied. Understanding the reasons for these denials and the legal options available can help claimants secure the benefits they are entitled to.
The appeals process can feel even more uncertain and overwhelming. How do you move forward from the denial, and what options are available to you to seek further assistance? Fortunately, these are the kind of questions that firms like Share Lawyers specialize in answering.
Common Reasons for Long-Term Disability Claim Denials
The first question is why your initial disability claim was denied. By determining this, you stand a better chance of cutting through the noise, litigation, and regulations in the system. The most common reasons for long-term disability claim denials include:
Lack of Medical Documentation
If your filing for disability did not include enough medical documentation detailing your unique situation, it could be a reason for the denial. It is always best to include as much detailed documentation as possible so that those reviewing your filing can better understand the gravity of your situation.
Disagreements Over ‘Total Disability’ Definitions
If you filed for total disability, but those reviewing it don’t believe that your medical problems qualify you for such a comprehensive category, then they might deny you.
Surveillance and Social Media Evidence
In today’s environment, the narrative surrounding a case is everything. If those reviewing your filing look at your social media posts and see evidence that either contradicts or doesn’t contribute to the narrative of your disability, they will be far less likely to approve your filing.
Missed Deadlines or Improper Form Submissions
These processes are exacting and strict regarding which forms are submitted, along with how and when they are submitted. You want to make sure that your disability claim is not denied solely because of a mistake with paperwork.
Steps to Take After Your Disability Claim Is Denied
When your disability claim is denied, your first step should be to request a written explanation. Understanding the logic behind the denial can help you better fortify your future efforts and build a stronger foundation for your next steps.
Subsequently, you can gather and organize medical records and expert opinions. It is always best to seek legal guidance before filing an internal appeal to increase your chances of success. Exhausting options like these before consulting a professional could unintentionally put you in a corner. Before that happens, consult a team like Share Lawyers.
FAQs About Disability Claims in Canada
Q1: How long do I have to appeal a denied disability claim?
A: It depends on your insurance policy, but deadlines can be as short as 30 to 90 days.
Q2: Can I reapply for disability benefits after a denial?
A: If circumstances change or additional evidence is available, reapplication or legal appeal may be possible.
Q3: Does hiring a disability lawyer improve my chances of success?
A: Legal experts understand how to build strong cases and handle insurer pushback.