Have you been denied disability insurance? If so, you’re not alone. About 60% of all initial applications for disability insurance are denied. While this may be discouraging, it’s important to remember that denial is not necessarily the end of the road. There are about 34,688 Law Firms businesses in Canada as of 2022, and Share Lawyers Markham is one of them.
Disability insurance companies are notorious for rejecting valid claims. Many people who are eventually approved for benefits are initially denied. Don’t give up if your claim is not approved. Victims can do several things to appeal the decision and get the benefits they need and deserve.
Here are the most common reasons disabilities insurance companies give for denying claims and what one can do to fight back:
– Didn’t Meet the Definition of Disabled:
The legal definition of “disabled” varies depending on the policy type. For instance, some policies define disability as an inability to work at any job. In contrast, others only consider a person disabled if they’re unable to perform the duties of their specific occupation.
– Didn’t Have Enough Documentation:
Ensure you have all the documentation your insurance company needs to process your claim. This includes medical records, doctor’s notes, and income tax returns.
– Claim Wasn’t Filed on Time:
Many policies have strict deadlines for filing, and if victims miss the deadline, their late application may be denied. In some complex cases, if one finds trouble filing on time, one may be able to get an extension.
– The Victim Was Working When They Claimed to Be Disabled:
Many policies have what’s known as a “work incentive.” This depicts that one’s benefits will be reduced or denied if one can work, even if it’s just a few hours a week.
– One Missed Too Much Work:
If folks have been out of work for a long time, it may be challenging to prove that their disability is the reason. Many policies require the victims to miss a certain amount of work before considering them disabled.
– Didn’t Follow the Treatment Plan:
If fellows do not follow the treatment plan prescribed by their doctor, the insurance company may deny their appeal. Ensure you’re getting the treatment you need and following your doctor’s orders.
How many individuals in Markham, Canada, are challenged?
According to Statistics Canada, more than 5.3 million Canadians, or about 16% of the population, have an impairment that limits their freedom, independence, or quality of life. Over 200,000 of those are youngsters and youth.
In Markham, Ontario, Canada, the number of people with disabilities is about 28,400 or 12.0% of the population as of 2016. These people have difficulty performing daily activities due to limited physical or mental abilities.
If a person has been denied disability insurance, contacting a disability insurance lawyer to get assistance is crucial. Many reputed law firms, for instance, Share Lawyers in Markham, Canada, have a team of experienced and knowledgeable attorneys to help the victims.
The average cost of hiring a disability claim lawyer in Markham, Canada, is about $150 to $400 per hour. Many reputed law firms offer a free initial consultation to discuss your case. Make sure you ask about the lawyer’s fees and how those will be calculated before you hire anyone.
So, these are a few valid reasons why your disability insurance claim might have been denied. If you feel to have a justifiable claim, don’t give up. Contact a lawyer to help you with the appeals process. With the right help, you can get the benefits you need and deserve.