Has Your LTD Claim Been Denied?


Long Term Disability Insurance is supposed to help you and give you peace of mind when you can't work because you've been injured. What happens when your claim is denied?

If you’ve become disabled or can no longer work to support yourself due to an injury or disabling illness you may be eligible for CPP disability insurance benefits and LTD benefits from your employer or insurer. Many people consider the LTD insurance a fail-safe if they can’t work but are a primary wage earner in the family, or if they are too young to retire.

Long term disability insurance provides you with a payment equal to a portion of your income when you become disabled. It is usually paid for by the employer, the employee or a combination of the two. How the premium is paid determines whether the benefit is taxable. This is an important consideration. There are waiting periods to make a claim and the policies have very specific requirements defining what disability is. Different policies cover different injuries or illnesses and it’s important to understand what your policy requires. Many exclude illnesses that are covered by WSIB (Workplace Safety Insurance Board) claims.

When you can no longer work at your job or any other job due to your illness or disability it can cause a tremendous amount of emotional and financial stress to you and your family, particularly if you think your benefits are being unreasonably denied. In these cases, you’ll need help to obtain the benefits you deserve and our legal team at Deutschmann Law are experienced and ready to help you.

It is important to remember that when you file for LTD the onus is on you to provide enough medical evidence of your disability. Most long-term disability insurance policies provide a definition of total disability or completely disabled. Totally or completely disabled from working means that you are unable to carry out the normal functions of your usual job. It does not mean that you are completely physically unable to do any part of your job, but that your injury or illness is such that common sense requires you to stop working so you can focus on getting better.

If you have applied for LTD benefits and your long-term disability insurance company refuses to begin to pay benefits you should immediately:

  • Read the letter very carefully
  • Note why you are being denied benefits
  • If it is simply a matter of them waiting for paperwork from a medical professional then you should immediately contact them and make sure your insurer has the information they require.
  • If there is a misunderstanding or confusion between the employer and the insurer make sure to contact your employer to clear up the confusion.
  • If you have done everything you can, and your doctor supports your claim, but your insurer refuses to begin payments then you may need to consider hiring an experienced LTD insurance lawyer who will assess your case to determine if you should be getting benefits.

The insurance companies have teams of adjusters and lawyers who may deny any claim that isn’t airtight. You deserve someone on your side who knows the system, the experts you’ll need evidence from and who will fight for you. Call us for a free initial consultation 1 (866) 414-4878



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