Applying for long-term disability (LTD) benefits in Alberta can feel like an intimidating process, but breaking it down into manageable steps can help alleviate the stress. As a disability lawyer who has guided numerous clients through similar journeys, I understand the anxiety and uncertainty that can accompany this path. Remember, you’re not alone; we’re here to support you every step of the way.
LTD benefits are essential 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, offering crucial financial stability when your income is disrupted. This article provides a detailed guide to applying for LTD benefits in Alberta and advice on what to do if your claim is denied.
1. Understand your policy
Before beginning the application process, take the time to review your LTD policy thoroughly. Focus on how the insurance company defines 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. Tell 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. Gather medical evidence
The success of your LTD claim heavily relies on 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 affects your job performance.
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4. Complete the application forms
Accurately and thoroughly completing the LTD application forms is critical. These forms typically require information about your medical condition, job duties, and how 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 Alberta 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, take a deep breath and know that you are not alone. Many individuals in Alberta face wrongful denials of their LTD claims. Insurance companies sometimes deny claims due to errors or oversights. Adjusters can be overworked and may miss important details in your file, or they might hope you’ll accept their decision without contesting it. If you are genuinely disabled and your doctors support your claim, we are here to help you secure 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, don’t feel discouraged. The next step is to reach 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. There are often viable alternatives, 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 Alberta and across Canada who have been denied short-term and long-term disability benefits. We often resolve these claims swiftly and successfully, helping many people, including those like Sandra Bullock and Julie Austin, secure the support they need.
For more information on the LTD application process in Alberta, 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 Alberta? 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.