Applying for short-term disability (STD) benefits in Alberta can initially appear daunting. However, with the proper guidance and preparation, you can significantly enhance your chances of a successful application. As a disability lawyer with extensive experience, I have assisted numerous clients through this process, witnessing firsthand the difference that the right approach can make. This guide will take you through the critical steps to improve your chances of securing STD benefits.
Understanding STD benefits
In Alberta, short-term disability benefits offer financial support if you are temporarily unable to work due to illness or injury. These benefits are typically provided through your employer’s group insurance plan or a private policy. They generally cover 60% to 100% of your income during your recovery period and can last up to 26 weeks, with some plans stretching to 52 weeks. The waiting period before benefits begin can run from one to 14 days.
1. Review your disability policy
The first step in applying for STD benefits is to review your disability policy thoroughly. This document outlines the conditions that qualify as a disability, the duration of benefits, and other crucial information. Understanding these specifics will help you know what to expect and how to effectively prepare your application.
READ MORE: Can I still get long-term disability even if I don’t look sick?
2. Let your employer know
If your STD benefits are provided through your employer, inform them as soon as possible about your need to apply for benefits. Your employer will supply the necessary forms and may assist you with the application process. If you have a private policy, contact your insurance provider directly to initiate the application process.
3. Obtain medical evidence
Your application for STD benefits in Alberta will require comprehensive medical documentation. Schedule appointments with your healthcare providers to obtain medical reports, test results, and a detailed statement from your doctor explaining your condition and how it prevents you from working. Thorough and detailed documentation will strengthen your application and reduce the likelihood of rejection by the insurance company.
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4. Fill out the application forms
Carefully complete the application forms provided by your employer or insurance provider. These forms will request information about your medical condition, your job, and how your illness or injury affects your ability to carry out your work duties. Ensure all sections are filled out accurately, and that your doctor completes the Attending Physician’s Statement.
You will also need to submit the Employee Statement and the Employer Statement, filled out by you and your employer, respectively. If these forms are incomplete or inaccurate, it can delay the processing of your application, prolonging the wait for your benefits to start.
READ MORE: How to apply for long-term disability benefits in Alberta
5. Submit your application
Submit your completed STD application forms and all supporting medical documentation to your employer or insurance provider. Keep copies of everything for your own records. It’s crucial to submit your application as soon as possible to avoid any unnecessary delays in receiving benefits.
After sending in your application, follow up to track the status of your claim. Regular communication can help address any potential issues promptly and keep your claim moving forward.
What to do if your short-term disability claim is denied
If your STD claim is denied in Alberta, don’t give up. Many claims are unjustly denied due to insufficient medical evidence or administrative oversights by the insurance company. Insurance adjusters may overlook crucial details in your file or hope you’ll accept their decision without any pushback. Remember, you have the right to ask questions and get clarification on their decision. If your disability is genuine and supported by your doctors, we are here to help you secure the STD benefits you deserve.
READ MORE: The insurer cut off his benefits. Then his lawyer reviewed his medical assessment
If your STD claim is denied, the next step is to seek professional legal advice before attempting to appeal the decision with your insurer. Reach out to Samfiru Tumarkin LLP for a free short-term disability consultation. We will carefully review your denial letter, evaluate your case, answer your questions, and highlight your options at no cost to you. Maintaining hope and having solid information – along with the right disability lawyer – can significantly impact the outcome of your case.
Our firm specializes in assisting individuals in Alberta and across Canada who have been denied short-term and long-term disability benefits. We frequently resolve these claims efficiently and successfully, helping many clients, including Sandra Bullock and Julie Austin, get the support they need. Additionally, our employment lawyers can protect your rights if you face job loss while on STD.
For further information on applying for short-term disability in Alberta or transitioning to long-term disability, please visit our website. If your claim has been denied, reach out to us for a free consultation. Assert your rights and take the first step towards securing your financial future today. We are dedicated to supporting you every step of the way.
Unsure about the process for applying for STD benefits in Alberta? Have questions about your rights following a claim denial?
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.