If you are suffering from an illness or injury that is preventing you from working then we recommend that you file a claim with your long term disability carrier. This process can be long and stressful. Here are some tips:
- Get to know your insurance policy by reading your policy manual.
- How do you file a claim?
- What documents are required?
- What is the time limit to file a claim?
- What is the time limit to appeal a denial?
- Take notes of all calls and conversations you have with your adjuster from the insurance company. We can guarantee you that they are doing the same. Make sure you take note of all the doctors and specialists you’ve seen as well that relate to your long term disability. Make note of any important diagnoses or recommendations.
- Keep all your documents. Any medical note, record or report you receive should be provided to the insurance company so they can assess your claim. Do not lose these records. Keep all documents and correspondence from the insurance company too.
- Seek treatment for your long term disability. You have a duty to mitigate your damages. In the context of any personal injury or disability claim that means you have a duty to try to get better. Make sure you attend treatment that is recommended for your injury or long term disability. It is not enough to just sit around and wait for a settlement cheque. If treatment is unaffordable then ask your family doctor if there are any OHIP funded services available.