You’ll understand what to do if your long-term disability application has been denied. You must never give up hope since there have been cases of people whose applications have been denied numerous times who eventually qualified for long-term disability.
Taking the steps needed to make sure that you get your application approved. You’re likely clueless about what you need to do to make sure that your LTD application will be approved the second or third time around. The exceptions may be if you have extensive experience in filing LTD applications, or if you have hired a good personal injury lawyer in Stratford.
Your chances of having your LTD application approved will be much higher if you understand and follow the steps needed to file an LTD application properly. However, if you want to go on the Canada Pension Plan. The reasons are that it has a different set of rules and guidelines for applying for LTD benefits since it’s a different system.
Understand Why LTD Applications are Denied
LTD applications will be denied more often than not. Console yourself that you’re in the majority of Canadians who apply for LTD benefits if your application is denied. The Canada Pension Plan denies 60% of applications, so the rejection rates for private insurance companies are likely much higher.
The good news is that many of those whose initial applications were turned down were eventually approved. You can be one of those people one day if you know how to apply the right way. Most Canadians fight a denial of benefits since they’re so common. Just keep in mind that your chances of winning an appeal are low if you don’t hire a good personal injury lawyer.
You start an action when you make an external LTD appeal. Your chances of winning this appeal are huge. The reason is that they work for the insurance company, but your case will also be heard in court. You are essentially suing your insurance company when you make an external appeal. Therefore, the circumstances and appeal criteria/deadlines are much different.
Tribunal Hearings Versus Court Cases
A panel of decision-makers will hear and decide upon your case in a tribunal hearing. Most union cases are heard in tribunal courts. While you don’t have to hire a lawyer since you’re not going to court, you will be in the same room with an adjudicator. Adjudicators are sometimes referred to as arbitrators.
You’ll need to go to an actual court, if you want to be awarded damages since the tribunals’ courts tend to be more informal. You’ll need to hire a good personal injury lawyer if you do go to court. Note that your chances of winning a settlement will be much higher if you go to court. For one thing, you’ll get compensated for lost present and future income and wages. You’ll also get a settlement for pain and suffering.Your insurance company will pay all court and legal fees as well as your settlement if you win.