Beginner’s Guide To Filing For Long-Term Disability

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Beginner's Guide To Filing For Long-Term Disability
Beginner's Guide To Filing For Long-Term Disability

In the event that you suddenly find yourself no longer able to complete your work duties as you used to because of an incurred long-term disability, you have to make yourself aware of the benefits you should receive from filing for LTD. 

Through verified tips from https://valentlegal.ca/long-term-disability-lawyer/, here are steps you should take note of when filing for long-term disability. 

Tips For Filing For LTD 

  1. Eligibility 

Before anything else, let’s go over the eligibility requirements for long-term disability. This way, you won’t be taken blindsided even after having prepared the necessary documents and following the tedious process for this motion. The important term to observe here is “coverage”. 

You should have an existing coverage plan from your employer. A coverage plan can come in only two categories: through a self-purchased policy (purchasing insurance for disability) and through your employer (medical and disability coverage deducted on a regular fortnightly or monthly basis). 

At the same time, be sure to inquire about the coverage itself. Are you under a “partial” or a “full” disability plan? Clear this out before filing. 

  1. Elimination Period 

In simpler words, this is called the waiting period. There will be a specified number of days you’ll have to have been absent from work for you to qualify for benefits (see below). This may vary per insurance policy and/ or employer policy. The elimination period tends to be reduced with self-purchased insurances. 

  1. Qualification 

Now comes another tedious yet very crucial measure to take— understanding what qualifies as long-term disability. Most illnesses and/ or injuries are typically considered for LTD. However, a diagnosis may not be enough. At least, not for a number of insurance companies. The focus is usually on the disability itself, and what it means towards your ability to continue working (and as a result of your medical upheaval). 

What the latter implies is that not all serious medical health diagnoses cause disability. There are serious illnesses that require dire medical attention, yet do not render the person affected “disabled”. That is unless the symptoms of said illnesses are severe and have led to disability. It’s a hard fact to chew but it’s nonetheless the legally accepted point of consideration. 

On that note, insurance companies will still require you to present your diagnosis as proof. More than the diagnosis itself, they will look into the specifics of the treatment plan prescribed to you. Above that, they’ll have to agree to it and accept it’s validity towards disability, along with your claim. 

  1. Application Process 

Once you’ve gone through the three steps above and are confident of your LTD claim, here comes the application process. Most, if not all, insurance companies in Canada require at least three main forms: a Medical Report, Employer’s Report, and Notice Of Claim. You can reach out to your employer to provide you with these. Alternately, the insurance agency you’re dealing will accomplish this for you.

  1. Date Of Disability 

Be as specific about this as possible. Remember the last day you went to work prior to incurring the disability, then count 17 days from the first day of absence. A minimum of 17 days (consecutive) of absence from work due to LTD is a qualification for filing. In addition to this, your waiting period will rely on that information as well. 

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