Applying for long-term disability (LTD) benefits in British Columbia can feel overwhelming, but breaking down the process into manageable steps can make it less daunting. As a disability lawyer who has guided countless clients through this journey, I understand the anxiety and uncertainty that often accompany it. But don’t lose hope; we’re here to support you every step of the way.
LTD benefits are crucial when a severe illness or injury prevents you from working. These benefits typically come through your employer’s group insurance plan or a private policy, providing much-needed financial stability when your income is compromised. This article offers a comprehensive guide to applying for LTD benefits in British Columbia, including what to do if your claim is denied.
1. Understand your policy
Before you start the application process, take the time to review your LTD policy thoroughly. Focus on the insurance company’s definition of disability, the waiting period (usually between 90 and 180 days), the duration of benefits, and the amount payable once 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 provided through your employer, inform them of your intent to apply for benefits. They will supply you with the necessary forms and guidance on how to proceed. For those with a private policy, contact your insurance broker or provider to obtain the required forms.
3. Collect medical evidence
The success of your LTD claim hinges on robust medical evidence. Gather comprehensive documentation from your healthcare providers detailing your condition and its impact on your ability to work. This should include medical reports, test results, treatment plans, and personal statements that clearly demonstrate how your disability impairs your job performance.
READ MORE: ‘Get full support from your doctor’: Disability lawyer’s guide to making insurance claims
4. Complete the application forms
Accurately and thoroughly filling out the LTD application forms is critical. These forms typically require information about your medical condition, job duties, and the ways in which your disability affects your work. Ensure your doctor completes the Attending Physician’s Statement. Double-check all information for completeness and accuracy, as missing or incorrect details can delay your claim.
READ MORE: 4 ‘red flags’ that your long-term disability in B.C. could be cut off
5. Submit your claim and follow up
After completing the forms, submit them along with your documentation to your insurance provider. Keep copies of all submitted documents for your records. Regularly follow up with the insurance company to monitor the status of your claim.
What to do if your long-term disability claim is denied
First, stay calm. You are not alone—many individuals in British Columbia face wrongful denials of their LTD claims. 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 hopes that you will accept their decision and walk away from the benefits you are entitled to receive. If you are genuinely disabled and your doctors support your claim, we can help you fight for the benefits you deserve.
READ MORE: The insurer cut off his benefits. Then his lawyer reviewed his medical assessment
If your LTD claim is denied, reach out for professional advice before filing an appeal with your insurer. Contact Samfiru Tumarkin LLP immediately for a free LTD consultation. We will carefully review your denial letter, assess your unique situation, and outline your options at no cost to you. Remember, there are often alternatives available, so please don’t give up hope. Having the right information and support can make all the difference.
At Samfiru Tumarkin LLP, we specialize in assisting individuals in British Columbia and across Canada who have been denied short-term and long-term disability benefits. We resolve these claims efficiently and successfully, helping many people, including people like Sandra Bullock and Julie Austin, secure the support they need.
For more information on the LTD application process in British Columbia, visit our website. And if your claim is denied, don’t hesitate to reach out for a free consultation. Stand up for your rights and take the first step towards securing your financial future today. We are here to support you every step of the way.
Questions about applying for LTD in B.C.? 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 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.