As an Ontario Long Term Disability lawyer, I am regularly asked how people can avoid being denied LTD benefits when they are applying.
From a legal action perspective, I can only accept long term disability clients after their application has been denied or their benefits have been wrongfully terminated. However, I am able to give some helpful guidelines based on my years of experience seeing common errors that lead to LTD application denials.
In this video, I walk you through the important and problematic components of the section you are required to complete in the LTD application process, often referred to as the Plan Member Statement. I provide tips to give your application a better chance of success.
For example, I discuss how it’s essential to elaborate on each issue that affects your ability to work. Although the form may not give you ample room for comments, you can include a note such as “see attached” in the comment field, and include a separate paper with additional information with your application.
Watch my video below for the LTD Plan Member Statement walkthrough:
If you found this video helpful, I encourage you to watch my other videos in this series, which provide guidance about the sections completed by your employer and your treating physician. Each of these sections are critical to the success of your LTD application.
Unfortunately, many people face denied claims and termination of long term disability benefits every day. Knowing how to fill out the application forms will increase your chances of being approved, so you can receive the benefits you need for your recovery process.
If you have applied for LTD benefits and have been wrongfully denied, or if your LTD benefits have been recently terminated, contact us for immediate support and a free consultation.
See all of my Long Term Disability videos for answers to common questions.
More long term disability information from Roger R Foisy: