Long Term Disability Claim is Denied – Now What?

Posted by McQuarrie Hunter LLP on March 3rd, 2020

Being injured in the workplace or due to a road accident is no joke. It is not a laughing matter. Aside from the physical injuries that prevent you from resuming your life, you might also be suffering from invisible injuries such as PTSD or Post-Traumatic Stress Disorder.

To ease up your recovery, you should seek the compensation that you deserve from your insurance company. Insurance companies usually have their own investigations. Based on the results of their investigations, they will calculate how much compensation you deserve.

But what if you are filing for a long term disability claim? The insurance company will need more proof that you need long term disability benefits. If they don’t find sufficient proof that you need it, long term disability is denied.

What should you do if this happens? To those whose long term disability is denied, here are the things you should do:

1. Find out why they arrived at such a decision

You can send them a letter asking why long term disability is denied in Vancouver. If you know what made them come to that decision, it will be much easier to refute it.

If long term disability denied in Vancouver due to insufficient documentation, you can obtain more medical records to prove your claim.

2. Pay attention to the terms on how you can file for an appeal

There are instructions on how you will be able to file an appeal there and when your deadline is. Make sure you submit your appeal before that deadline or it will be hard for you to get them to retract their denial of your claim.

3. Hire a lawyer experienced in long-term disability claims

If you have significant injuries that prevent you from going back to work and stop you from resuming with your life, you should start consulting a lawyer such as McQuarrie. In fact, you can avoid being denied a long term disability claim if you hire a lawyer from the start. Your lawyer can prepare all your documents for you and ensure that these documents are enough to prove that you deserve a long term disability claim.

But once denied, your lawyer can help negotiate with your insurance company so that they will recognize the validity of your claims. This is also true when it comes to proving the effects of invisible injuries such as soft tissue injuries and trauma.

Keep in mind that it’s going to be a long battle and you need to prepare for it. If your insurance company still refuses to budge, you can take the matters to court where they will decide whether you are entitled to a long term disability claim and just how much you deserve.

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Mark Ryan is the author of this article. To know more about Personal Injury lawyers Vancouver please visit our website: mcquarrie.com