Wed, January 06

The novel coronavirus (COVID-19) has set the world in a spin, and Canada is no exception.  Situations like illnesses from COVID are the reason why people purchase long-term disability insurance in the first place.  They want to protect themselves and their families.  Unfortunately, many people suffering from the coronavirus and its impact are being denied the benefits they are entitled to. 

You may be able to obtain your long-term disability (LTD) benefits by filing an appeal with your insurer, depending on the circumstances of your case. Continue reading to learn more about who generally qualifies for long-term disability benefits and how to proceed with an appeal. 

Do You Qualify for Long-Term Disability Benefits?  


Long-term disability benefits can be available if:    
While every policy is different, in general most will provide up to 70% of your income for a maximum of two years.  

  • You have purchased an LTD policy; or 
  • Have these benefits available through your employment; and 
  • Due to a medical condition are unable to work for an extended length of time.  

It is important to note that the coronavirus is still new, and its long-term impact is unknown. Many people will recover within two to six weeks; however there cases that require the use of ventilators and will need long-term care and recovery. Furthermore, having been diagnosed with the coronavirus is not the only reason you may need to access LTD benefits. The coronavirus has had a significant impact on the mental health of many people. With nonessential businesses closed, the anxiety of the unknown, and the fear of what this pandemic may bring, people may need to seek treatment for their mental health during this trying time in their lives. 

How to Appeal a Denied LTD Claim

How we approach your appeal will be largely determined by why your claim was denied in the first place. Did you fail to provide the appropriate supporting documentation? Did the insurance company wrongfully deny your claim? Having a lawyer help you with your appeal could make a significant difference in the outcome of your case. Your lawyer will be able to provide the insurance company with the information needed to expedite the approval of your claim and show the insurance company that you are serious about holding them accountable for the benefits that are rightfully yours. You can learn more about how the appeals process will work in your case after discussing your situation with your lawyer.  Contact us we will let you know.  

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