Applying for long-term disability (LTD) benefits in Ontario can be daunting, but understanding the steps involved can help you navigate it more smoothly. As a disability lawyer who has advised thousands of individuals facing similar challenges, I understand the stress and uncertainty that can accompany this journey. Don’t despair; we are here to help.
LTD benefits are designed to provide financial support when you cannot work due to severe illness or injury. These benefits typically come through your employer’s group insurance plan or a private policy. The goal is to help you maintain financial stability during a challenging period when earning an income isn’t possible.
This guide provides a clear and concise overview of how to apply for LTD benefits in Ontario. It includes what you need to do if your claim is denied by the insurance company.
1. Review your policy
Before diving into the application, familiarize yourself with the specifics of your LTD policy. Pay close attention to how the insurance company defines disability, the waiting period before your benefits start (usually between 90 to 180 days), the duration of the benefits, and the amount you’ll receive if the application is approved.
READ MORE: Can I still get long-term disability even if I don’t look sick?
2. Notify your employer
If your LTD coverage is through your employer in Ontario, you need to notify them about your intent to apply for LTD benefits. They will typically provide you with the necessary forms and instructions on how to proceed. If you have a private policy, contact your broker or insurer directly for the forms.
3. Gather medical evidence
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Your LTD claim hinges on medical evidence. This includes detailed documentation from your doctors and healthcare providers about your condition and prognosis. Medical reports, test results, treatment plans, and personal statements should clearly illustrate how your disability prevents you from performing your job.
READ MORE: ‘Get full support from your doctor’: Disability lawyer’s guide to making insurance claims
4. Complete the application forms
Filling out the LTD application forms completely and accurately is critical. These forms generally include details about your condition, job and how your disability affects your work. Your doctor will need to complete an Attending Physician’s Statement.
Be meticulous in providing all requested information and double-check for accuracy. Missing or incorrect information can delay your claim.
READ MORE: 4 ‘red flags’ that your long-term disability in Ontario could be cut off
5. Submit your claim and follow up
Submit your completed forms and documentation to your insurance provider. Keep copies of all documents for your records. After doing so, regularly follow up with the insurance company to check the status of your claim.
What to do if your long-term disability claim is denied
First, don’t panic. You are not alone. Many others in Ontario, like you, have been unjustly denied LTD by their insurers. Understand that insurance companies sometimes deny claims in error. Their adjusters are typically overworked and may miss something in your file or simply choose to reject your application in the hope that you will accept their decision and walk away from the benefits you are entitled to receive. If you are disabled and your doctors have confirmed this, we can likely help you secure the benefits you deserve.
READ MORE: The insurer cut off his benefits. Then his lawyer reviewed his medical assessment
If you still have questions about the LTD application process in Ontario, you can find more answers on our website. If your LTD claim is denied, contact us immediately for a free LTD consultation before you file an appeal through your insurer. We will review the denial letter, examine your situation and outline your options, all at no charge. There are almost always options, so don’t give up! Knowledge is power.
Our team at Samfiru Tumarkin LLP is here to support you. We assist individuals in Ontario and across Canada who are denied short-term disability and LTD every single day and resolve these claims swiftly and successfully. Just like many others who stood up for their rights, including Sandra Bullock and Julie Austin, you can too.
Questions about applying for LTD in Ontario? Not sure what to do after your claim has been denied?
Contact the firm or call 1-855-821-5900 for a free consultation with a disability lawyer. We help Canadians across all provinces (excluding Quebec). Get the advice you need and the compensation you deserve.
Sivan Tumarkin is a disability lawyer and a co-founding partner at Samfiru Tumarkin LLP, Canada’s most positively reviewed law firm specializing in long-term disability and employment law claims. The firm provides legal insight on Canada’s only Disability Law Show on TV and radio.