Am I Entitled to LTD Benefits?

You are entitled to Long Term Disability Benefits if you meet the test for “disability” that applies in your specific situation.  That test is found in the written insurance policy (contract).

Although many insurance companies use similar tests for disability in their policies, to figure out if you are entitled to benefits, you have to look at your own wording.

Once you know what disability test applies to you, you have to determine if the medical evidence you have shows that you meet that test.  Do the documents you have gathered PROVE that you meet the test?

Sometimes, doctors and other health care providers are vague or rushed when they complete disability certificates for insurance companies.  Make sure you get a look at what the doctor has written.  Look at it as if you were a stranger.   Ask yourself:

  • Does what is written sound to you like it is enough to meet the disability test?
  • Have all of your medical problems– physical, mental, psychological– been identified in the form?  If not, ask your doctor to add them.
  • Does the doctor’s form spell out why you are disabled from your job?

Sometimes, your family doctor will not feel comfortable or qualified to provide an opinion on your disability or prognosis (how long it will last).  If that is the case, ask your doctor to refer you to a specialist in your field of disability.  If you are worried about meeting the insurance company’s deadlines, tell the insurance company that you are waiting to see a specialist who will answer their questions.

If the disability test that applies to you considers your “own occupation”, it can also be helpful to bring your doctor a job description.  That way, he or she will understand what tasks you have to do in a typical day.  It can be very helpful if your doctor can identify specific job duties that you are not capable of completing.

Increase your chances of getting LTD benefits on the first try! 

If you believe the medical evidence supports your claim and you are STILL denied LTD benefits or your benefits are terminated, call Auger Hollingsworth at 613 233-4529.  We will provide a free no obligation assessment of your claim.


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