The truth is that one of the most nerve-wrecking times in one’s life could be the period after he/she has gone through a serious injury. Long-term disability is undoubtedly tremendously challenging and it’s something that could bring a lot of turmoil in your life. Trying to live with limited mobility or being on the bed as an invalid can be devastating. And, at the moment that you learn you’ve been denied your long-term disability benefits, you might lose all hope, thinking that your condition is making your life a misery.
Rest assured, however, that not all hope is lost if your insurer has denied your Long Term Disability claim. This is what we are going to go through in this particular post. Keep in mind that Long Term Disability claim rejection doesn’t necessarily mean that you won’t be getting any benefits.
Seeking LTD Benefits
If you are covered under the group insurance policy by your actual employer, and you are confronted by a medical condition which would prevent you from working, you would be able to initially access benefits short-term disability. As you approach the end of those, you will have to apply for long-term disability benefits. The insurance company is going to start the process of taking a thorough look at your medical records and to come to a conclusion. The claim could be rejected for a range of different reasons. Some of them include:
• Treatment as well as assessment compliance.
• Failing to meet the necessary eligibility requirements which are set out in the policy.
• Failing to provide enough information in the claim or making critical errors.
• Surveillance.
The Long Term Disability denial letter has to be taken into account. Once you receive it, the very first thing that you have to do is to go ahead and consult an injury lawyer in Kitchener that has the necessary relevant expertise. It is important to do so as quickly and as early in the overall process as it is possible. You would have a limited amount of time to start your lawsuit after appealing the denial. It is best to consult the lawyer and know more about the Statute of Limitations that is applicable in your case.
Based on the merits for the denial, the lawyer might actually propose to go for a lawsuit immediately if there is the necessary justification or he could suggest that you use the appeal process.
While the internal appealing procedure might actually be quite appropriate for certain situations, a lot of lawyers advise going for a lawsuit. This is because you would potentially be depending on the schedule of the court and not the insurance company. Hence, no one can actually delay the resolving of the case intentionally. Keep in mind that this is normally a time-sensitive endeavor as you would definitely need to recover damages as quickly as it is possible.