CTV reports one in seven Canadians over the age of 15 have some type of disability. This means roughly 3.8 million Canadians are living with a health condition or problem that limits their daily activities. When you can no longer work and maintain the same status of living, you may be eligible for Long Term Disability through your employer or private insurance policy.
However, the system is not flawless. Many people with perfectly valid LTD claims are denied compensation. The denial rate for the government’s CPP disability is 60 percent – so you can only imagine how much higher the denial rate is among private insurers that do not face the same level of transparency and accountability to the general public.
Just because your claim was denied does not mean you are out of options. Our trusted long term disability law firm is ready and able to handle your appeal. Call Preszler Law Firm for a free consultation.
Why are most long-term disability claims denied?
The root cause for LTD claim denials is money. Insurers don’t report year-over-year profits by paying maximum value on every claim. The “reasons” they give you to explain the denial may include:
How to combat LTD claim denial
Contacting a qualified long term disability lawyer is your best first step because it immediately levels the playing field. By British Columbia law, you have a period of up to two years (from the receipt of a denial letter) to bring a legal claim, so it’s important to contact a law firm as soon as possible.
When you work with a personal injury lawyer at Preszler Law Firm, we take the burden of the claim off your shoulders and handle all communications with the insurer.
Steps to appealing LTD claim denial
Once you’ve contacted a lawyer, you can challenge your claim denial in multiple ways:
A successful appeal results in a settlement offer – which you may accept as fair or reject and continue with the next step of your legal action. Secondary denials or rejection of a settlement is not necessarily the end of the road. Working with a disability claim lawyer will help you understand your full set of legal options every step of the way.