The focus of this Toronto Injury Lawyer Blog Post will be on the denial of Long Term Disability Claims.
Of the hundreds of thousands of Long Term Disability Claims which large insurers like Manulife, Great West Life, Sun Life, Desjardins, SSQ, Industrial Alliance etc. handle, why was YOURS singled out for denial?
You’re a good person.
You’ve worked hard at your job for years without taking much time off like some other co-workers who abuse the system.
You’ve paid LTD premiums for years without complaint or missing a premium payment.
So why me? Why was my claim denied and not the other guy who abused the system?
Why are “good people” always getting the short end of the stick?
I don’t have an answer as to why specifically your Long Term Disability claim was denied in particular; but rest assured; you’re not ALONE!
While it may seem like the vast majority of people you know who applied for long term disability, let me tell you that hundreds of thousands of claims go the other way and get denied.
It’s not uncommon for long term disability claims to get denied at first instance, and approved at a later date; or simply denied altogether.
The important thing is to maintain positive and maintain a level head (as best you can). Easier said than done when bills begin to pile up and the collection calls begin to flood in. But doing something drastic in desperate times is never a good idea.