Long-term disability (LTD) claims for mental health difficulties account for the vast majority of claims made in Canada each year.
Despite the fact that mental problems such as melancholy and anxiety are recognized as ailments that might impair your ability to do your work, many insurance companies continue to deny genuine claims.
Insurers can boost their business line by refusing to pay you with disability compensation.
This not only prevents you from receiving critical financial assistance, but it can also exacerbate the mental and emotional pain you were already experiencing before to filing for disability benefits.
Don’t give up if your LTD claim was refused because you have a mental health problem.
In Canada, invisible diseases are mental (and occasionally physical) problems that exist but are not supported by visible or measurable medical data.
Because it can be difficult to show that a person has depression, anxiety, or another mental health illness, insurance companies frequently use this as a justification to refuse LTD claims.
A lady in Vancouver, for example, made a long-term disability claim for depression. Her insurance company called her a few days later to tell her that her claim had been refused. When she inquired about why her insurance would not give her with disability payments, the agent stated that depression is subjective and that her self-report of her condition was insufficient.
Whatever justification your insurance provider offers you for rejecting your LTD claim, keep in mind that their decision is not final.
You have the right to discover more about why you were refused disability benefits.
An expert disability lawyer in Mississauga at a law firm knows what questions to ask and how to establish if the insurance company erred in denying your claim.
Should I obtain a written decision from my insurance if my claim was denied?
It is critical that you request a denial letter from your insurance carrier.
This paper explains why your LTD claim for mental health problems was denied.
It should also include information on how to challenge the insurer’s decision.
• The two-year time restriction in which you can file a compensation claim.
Instead of sending you a refusal letter, some insurance providers will attempt to explain why you were refused or had your disability benefits terminated over the phone.
Jonathan Goldbegr is an experienced disability lawyer who has been practicing law for over 20 years. Mr. Goldbegr specializes in helping people with disabilities navigate the complex legal system, including ensuring that they are receiving proper care and support from their families and communities.