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 discuss how to work with your employer so they can properly complete their section of the LTD application, often referred to as the Plan Sponsor Statement. These tips will help your application be less likely to be denied.
Your employer’s submission about your job will be considered more heavily than yours. For this reason, it’s essential that both you and your employer give consistent accounts of what your primary job duties are, and how your injury or illness affects your ability to carry out those duties.
Watch my video below for the LTD Plan Sponsor (Employer) Statement walkthrough:
If you found this video helpful, I encourage you to watch my other videos in this series, which provide guidance about the section you must complete as well as the section completed by 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.
More long term disability information from Roger R Foisy: