Learning To Avoid The Most Commonly Made Mistakes When Applying For Disability Benefits

If you have fallen ill or been injured severely enough to be made incapable of completing major work-related tasks, then you may be in a position in which you require disability coverage in order to financially support yourself. A significant part of Canadians will rely on such benefits at one point or another throughout their life. When it comes to long-term disability benefits, some employees will be able to access them via their employer, while others are required to purchase their coverage themselves. You might want to talk with a lawyer to know more about your custom case for more information.

What are long-term disability benefits?

While these benefits do not offer a full replacement for someone’s income, they will generally provide between sixty and seventy percent of it. It should also be noted that the prerequisite for a successful application is different for different coverage plans. Some plans require you to only prove your inability to complete major tasks connected to your own occupation, while others will require you to be unable to complete any tasks essential to any occupation. Generally speaking, most will require proof for the former only for the initial two years of provided coverage, before the switch to the “any occupation” requirement is made.

I am disabled, so why was my application denied?

Even if you can prove your disability fulfills all the provisions stated in your disability plan, there may still be good reason for why your application was denied. However, with most of these reasons, all it takes is a personal injury lawyer in North Bay and Sarnia to fight the decision and get you the coverage you are owed. Of course, it is important that you choose wisely when it comes to which lawyer to hire, so research safely and be critical. Meanwhile, here is a list of the reasons most commonly found to be the cause of a claim’s denial:

• Failure to meet set deadlines for filing the claim or appealing the denial of a claim
• Insufficient evidence regarding the severity of a disability
• Lacking treatment of your condition, i.e. no monthly or weekly scheduled medical care
• Failure to follow your doctor’s recommendations, i.e. not showing up for appointments
• Your doctor neglected to properly fill in the medical section of your application, i.e. they didn’t provide sufficient evidence regarding your inability to work
• Other information was missing from your application
• The medical practitioners hired by your insurer deem your treatment substandard and believe your condition would improve under another doctor’s care

These are some of the reasons that you cannot get the damages that you deserve. Thus, it is important to consult with your lawyer before filing the claim.