Ontario has more than one company that sells long term disability insurance. Moreover, among all of Ontario’s institutions and businesses, there is more than one that provides eligible employees with long term disability (LTD) benefits. Consequently, the recipient of a denial letter should check to see if the denied application was sent to a group plan, one that had been made available through the applicant’s employer.
If an employee gets denied an application for LTD benefits, then that same worker should exhaust the appeal process first, before taking any other action. By first proceeding with the appeal process, the denied worker can retain the ability to file a lawsuit at a later date.
Steps to take once the appeal process has run its course:
1. Study the denial letter. What was given as the reason for the denial? What is the time frame for the next step?
2. Obtain more documents that offer proof of your medical problem.
3. Resubmit the application, and include in the new submission the new evidence. Do not expect a reply to come quickly. Be prepared to wait patiently for an answer.
4. Consider hiring a lawyer; consult with a series of different attorneys.
Actions that no resident of Ontario should take, after being denied LTD benefits:
Pay less attention to the treating physician’s advice. The applicant that has been denied LTD benefits should never stop getting treated. Such an action would weaken any resubmitted application. Personal Injury Lawyer in Oakville knows that the denied applicant should not go on some social media network and share with friends or relatives all the details about his or her case. All of that posted information will be studied by the group that receives any resubmitted application.
Include falsehoods in a resubmitted request for LTD benefits. If the applicant feels capable of going back to work, he or she should try that approach and see what happens. If it becomes clear that the returning employee’s job responsibilities cannot be carried out without endangering the employee’s health, then that fact should work to ensure acceptance of a second application.
The role of the Human Resources Department
Initially, the people working in the Human Resources Department strive to identify any request for benefits that has come from a healthy worker. Still, those same men and women could elect to side with any of the workers that has applied for LTD benefits.
When that proves to be the case, then the staff members that feel disposed to offer added support to the denied worker expect to be seeing a resubmitted application. Moreover, when that resubmission has been made, the staff members in the Human Resources Department are much less inclined to favor any suggested denial.