We receive many calls every week from people who have been denied their Long Term Disability Benefits, by private disability insurers such as Great West Life, SunLife, Manulife, Standard Life, Industrial Alliance, SSQ, Co-Operators, Empire Life, RBC Insurance and others.
People want to know what to do after they've been denied.
Denial, or termination letters are often lengthy detailed letters which include the provisions of your LTD policy, the definition of the term "disability" based on the policy, excepts from medical records or medical reports, along with the insurer's reasoning to deny or terminate benefits.
After these long winded reasons are provided, the insurer will also then include ways that you can appeal their decision. Statements like you have 90 days from the date of this letter to appeal this decision through our Appeals/Investigation Committee are common. People call our law firm in an absolute PANIC stating that they're under the gun and that their opportunity to appeal the claim is fast approaching.
What I tell these people is NOT TO WORRY, and NOT TO PANIC. These internal reviews or internal appeals are often a waste of time and energy. Here's why