By
Allan Chapnik

My LTD Claim Has Been Denied. What Do I Do Next?

October 24, 2017

So, you are one of the millions who have been denied your long term disability insurance claim. The question is: are you going to be among the statistics that challenge this decision or among those who accept the outcome?

Insurance companies say,  “we denied your claim but if you want to collect more documents you can appeal.”

This often provides hope. It also means paying doctors for additional notes and copies of records that can be expensive for someone not working. Most often, the claim is denied, again, along with another invitation to appeal. The cycle continues until eventually, the claimant gives up hope.

It is for this reason, that having a lawyer is essential. The insurance company will be given seven days to reassess the case. If not, the lawyer will sue immediately with the goal of securing an income as soon as possible for the claimant.

Predicting what will happen in a courtroom comes down to the documents secured and which expert witnesses are in place with the opinion of the family doctor front and center.

Is there evidence that the doctor supports the claim? While some doctors are sympathetic, the majority tries to assess a situation accurately. Regular visits to the doctor will help, especially if the claimant can provide practical explanations of the difficulties faced day to day.

Is there an attending physician’s statement?

Has the doctor presented a list of all restrictions and limitations of the claimant? This is significantly more helpful than a statement of opinion. An insurance adjuster is indifferent to a doctor’s opinion but will listen more to the list of restrictions.

Truthful, accurate and complete – that is the goal and, always, the winning formula.

If you are looking to appeal an insurance claim, contact Allan Chapnik for a complimentary assessment.

Share This Post
Email
Facebook
LinkedIn
Twitter
Trending Posts
Read More Insights
Wills And Estates
By
Angela Barrientos
A will is a legal document that clearly states how a person’s property and belongings will be divided after their passing.
Immigration
By
Angela Barrientos
Since its introduction in 2013, the program has been a huge success in assisting Canada in luring and keeping outstanding entrepreneurs who can contribute to the expansion and prosperity of the country’s economy.
Corporate and Personal Law
By
Angela Barrientos
In 2022 the Government of Canada passed new amendments that expanded the Scope of the Competition Act. In this article, we look back on some of the changes that took place.
Corporate and Personal Law
By
Angela Barrientos
The term “mergers and acquisitions,” also known as M&A, refers to the merging of businesses or their essential business assets via business-to-business monetary operations.
Wills And Estates
By
Angela Barrientos
A will is a written statement that represents you after death. It specifies how you intend on allocating your assets and property.
Events
By
Pace Law
Pace Law Firm is always looking to expand our business and elevate it to the next level. On Thursday November 24th, Pace Law Firm attended the Canadian Mortgage Summit (CMS) to hear from the industry’s top mortgage brokers, lenders and solution providers.

Get in Touch

Call us now or fill out the form to discuss your case with an experienced legal professional.

Our Locations

Office Location

191 The West Mall, Suite 1100
Toronto, ON M9C 5K8
Phone: 1-877-236-3060
Fax: 416-236-1809

Office Location

191 The West Mall, Suite 1100
Toronto, ON M9C 5K8
Phone: 1-877-236-3060
Fax: 416-236-1809

Scroll to Top
Scroll to Top