Insurance policies are complicated to understand and sometimes it is hard to know exactly what information to provide to the insurance company.
Toronto, ON (PRWEB) August 29, 2014
Applying for disability benefits can seem overwhelming and appear to be a daunting task. Insurance policies are complicated to understand and sometimes it is hard to know exactly what information to provide to the insurance company.
Aaron Waxman, of Aaron Waxman and Associates, a law firm that helps clients whose short-term and long-term disability benefits have benefits have been denied, explains that there are a few things to consider when applying for short-term disability benefits:
1. Short-term disability benefits are calculated based on a percentage of your weekly income. It is important to ensure that your benefits have been calculated property, so be aware of what your weekly income is.
2. If you have access to sick leave (sick days), you have to exhaust these days before using short-term disability benefits. Find out how much sick leave you have, so you know when to apply for short-term disability benefits. Always apply for any type of benefits within a reasonable amount of time of the onset of disability.
3. Remember that short-term disability benefits are paid for a specific amount of time, whether for 17 weeks or 26 weeks. Towards the end of this period, you will want to gather the necessary information for your application for long-term disability benefits and get the application forms ready (if your group benefits plan includes long-term disability benefits).
4. Insurance companies are looking for medical evidence that substantiates your disability claim. This means they want to understand how your illness/injury impacts your ability to perform the duties of your job.
5. A denial of benefits at any stage of the claim can be appealed. As well, most people do not realize that there is an alternative to denial, being starting a court action against the insurance company. Contact a qualified lawyer soon after the denial will help you to determine the best course of action.
If you or someone you know has applied for short-term disability benefits or long-term disability benefits and your application was denied at the outset, or your benefits have been terminated, consult an experienced disability lawyer as soon as possible.
Aaron Waxman and Associates is a Toronto law firm whose practice is focused on long- term disability claims, short term disability claims, psychological illness claims, critical illness claims, life insurance claims, slip & fall claims, occupier’s liability claims, automobile accident claims, traumatic brain injury claims, and other types of personal injury claims.
We only help injured persons; we do not work for insurance companies.
We offer a free, no obligation initial consultation.
We can help you get your life back on track.
t: 416 661-4878
Facebook: Facebook.com/TorontoDisabilityFirm or Facebook.com/DisabilityLegalFirm