Dealing with long-term or short-term disability denials is an overwhelming situation, leaving some too sick to work without these important benefits. Both short-term and long-term disability insurance play vital roles in safeguarding your financial well-being when you cannot work due to health reasons. These policies, however, come with specific terms and conditions. We focus on assisting clients facing denial of their disability benefits. The stress and financial strain caused by these denials are significant, especially as bills continue to accumulate with no end in sight.
We can assist you with:
- Denied Short-Term Disability Benefits (STD)
- Denied Long-Term Disability Benefits (LTD)
- Canadian Pension Plan Disability Benefits (CPPD)
- Ontario Disability Support Program Benefits (ODSP)
Short Term Disability Denials
Short-Term Disability (STD) insurance protects an individual for short period in cases of injury or illness. General speaking, STD will protect you for a period of six months if you are unable to work due to injury or illness. Some employers offer Short-Term Disability Denials policies for their workers. If your employer chooses to participate, you will need to apply through that policy.
If denied, the financial strain of your injury may intensify. Our team works with clients facing Short-Term Disability Benefit Denials, offering guidance and support to secure the benefits that you are entitled to. Whether through employer provided policies or Employment Insurance Benefits, we help you to understand the terms, evaluate costs, and navigate the complexities to ensure you receive the benefits you need.
Long-Term Disability Denials
There are several reasons why an application for Long-Term Disability (LTD) benefits may be denied. It may be that you have not worked enough hours to be eligible for benefits, the specific health condition is not covered, or you may have not provided sufficient medical information when submitting your initial application. It is important to have your denial letter ready and available for us to review to determine if we can help you.
There is an appeal process for dealing with denied applications. If you are under the age of 65 and do not think you can ever work
again due to disability, we would be glad to review your denial letter and determine whether we think your application should be
appealed.
Not able to work because of a physical or psychological disability? Have you been denied the right to benefits? Virtually all insurance companies deny such claims routinely and it is difficult to fight experienced lawyers working for big insurance companies on your own. We at Reyes Tam Law have appealed and won countless LTD claims for our clients. We will vigorously fight the insurance companies for you, to ensure that you have received the best possible settlement.