There are time limits to all claims and any delay in proceeding may be subject to a deadline so you should not delay in proceeding with your claim or obtaining legal advice to clarify these deadlines.

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Common Mistakes that May Lead to Disability Claim Denial

Common Mistakes That May Lead to Disability Claim Denial

The sooner you consult with a personal injury lawyer about your potential long term disability claim, the better your chances are of receiving the maximum benefits you are entitled to. As your lawyer, Jwan Desai can help you avoid these common mistakes that may result in the delay or denial of long term disability benefits. 

Submitting an Incomplete LTD Application

We advise claimants to always double-check their answers to ensure all questions are answered clearly and correctly. If a question does not apply to you, be sure to note it in the space provided. Jwan Desai will review your policy(ies) to identify all provisions as your insurer may interpret them, review your claim to help avoid mistakes or omissions, and assist you in preparing a thorough and successful job description to best represent your entitlement to LTD benefits.

Failure to Provide Sufficient Medical Evidence

A doctor's note is simply not enough. You will need to provide detailed information that specifically explains why your disability renders you unable to work, especially if your claim involves symptoms such as chronic pain or depression. You will need to include comprehensive medical reports from your physician(s) that clarify how your symptoms limit your functionality in the workplace. Jwan Desai will help you determine which medical documentation is relevant to your LTD claim and how to best present your information to your insurer(s).

Missed Deadlines

There are specific time restraints associated with all disability insurance claims and any delay in proceeding may be subject to a deadline. In many cases, claimants may receive a denial of benefits due to a failure to meet the deadlines of their claim. As your lawyer, Jwan Desai will review your potential claim and clarify these deadlines to avoid complications with your claim.

Resigning from Work

We strongly advise against quitting your job as your resignation may have serious and even permanent consequences. You must be actively employed when you become disabled in order to submit a claim for LTD benefits. By resigning, you forfeit the disability benefits that you invested in as an employee. 

Don't Give Up! - Appeal Your Disability Claim

If your insurance company denies your claim, it does not mean that your LTD claim is invalid. You have the right to request a written statement detailing the specific policy provisions that were the basis for your denied claim. Jwan Desai has worked with numerous clients in Toronto to help them appeal a denied disability claim and obtain their rightful benefits. If your LTD claim has been denied contact LTD Law Firm today for your free consultation and case assessment. Click Here to Appeal Disability Claim

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Contact info

4789 Yonge Street

Suite 520

Toronto, Ontario M2N 0G3

Tel: 416-848-4570

Toll Free: 1-855-55DESAI

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Disclaimer: The information provided in this website is for informational purposes only and Jwan Desai does not assume any legal liability or responsibility for the accuracy, completeness or usefulness or any information contained therein. Legal advice should always be obtained by a lawyer. The information provided in this website does not in any way constitute a solicitor-client and/or lawyer-client relationship of any sort. Jwan Desai is only retained as counsel to a client subsequent to a written retainer agreement being executed in person. There are time limits to all claims and any delay in proceeding may be subject to a deadline so you should not delay in proceeding with your claim or obtaining legal advice to clarify these deadlines.