Why Disability Claims Get Denied
Unfortunately, some claims are denied even when they are valid. Here are three of the most common reasons and how we respond:
Not Enough Medical Proof
Insurers may say the documentation doesn’t prove your inability to work.
Our Resolution: We collaborate with your medical professionals to make sure every report, test, and note is thorough and complete.
Restrictive Definitions in the Policy
Some policies require proof that you cannot work in any occupation, not just your own.
Our Resolution: We analyze the policy wording and challenge overly narrow standards used to deny your benefits.
Paperwork Mistakes or Missed Deadlines
Even small errors or delays can be used to dismiss your claim.
Our Resolution: We oversee your claim step by step, making sure that nothing is overlooked and timelines are respected.
The Appeals Process for Denials in Picton
If your LTD claim is denied, appealing is your next step, and it requires careful preparation. We assist by:
- Reviewing the insurer’s reason for denial
- Gathering new or missing evidence
- Drafting a persuasive, complete appeal
- Managing all communication with the insurer
We make sure your appeal is well-supported and filed on time to maximize your chances of approval.
Why Picton Residents Choose Van Dyke Law
For over 30 years, our team has helped people throughout Ontario, including Picton, stand up to insurance companies. Whether you are applying for benefits or appealing a rejection, we are committed to helping you protect your financial security when or if you return to work.
Start With a Free Consultation
You shouldn’t have to face this fight alone. Van Dyke Law offers free consultations and only charges fees when we successfully recover benefits for you. Contact us today to get started.
