WHAT ARE THE COMMON MISTAKES MADE WHEN APPLYING FOR SHORT AND LONG TERM DISABILITY?

If you have a disabling condition and are denied disability benefits, then contact a Disabled Lawyer in Toronto. There are many common mistakes which are made that can lead to the claim being denied. Following are some of the common mistakes to avoid when filing for a disability benefit.

1. No Research:
   When filing the claim, don’t rush to complete the application without getting the necessary advice. You should educate yourself about the benefits that you are entitled to, which depends on your situation and the best way to go about filling the form.
2. Failure to provide regular updates:
   Regularly check the status of your claim as it will make you aware of any mistakes or amendment that might be needed to rectify the mistakes. Keep your disability claims adjuster updated with your health status. Work along with your claims examiner so as to remain updated about the status of your claim.
3. Filing Unemployment Benefits:
   Unemployment benefits and disability benefits don’t go hand in hand. When you file for unemployment benefits, it gives the idea that you are still looking for work and are in a state to be able to work. Applying for El Sickness benefits is an alternative. Some policies might require you to exhaust available EI sickness before applying for short or long term disability.
4. Failure to take medication:
   Failing to follow the advice of your medical practitioner can lead to your application for benefits is denied as it may be seen as you being unwilling to want to get better or that the condition is not so severe to be able to warrant disability benefits.
5. Failing to meet the deadline:
   Long Term Disability claims which have been denied should be appealed within 90 days from the date of receipt of notice of denial. If you fail to appeal on time, then you may have to file a new claim.
6. Exaggeration:
   You may be tempted to exaggerate the disability, but this could cause the claim to be denied. Insurance companies keep a close look for any signs of malingering or exaggeration. Get the medical evidence which is needed and follow the process for claim submission, the way it has been outlined in your policy. This also increases the chances of your approval.
7. Failure to seek regular treatment:
   Insurance companies evaluate your disability by keeping a check on whether you have been seeking adequate medical treatment for your condition. In case you have a long and extensive medical record which shows that you’ve tried all the different treatments available, then it is believable that your condition is severe and disabling. These medical records are proof for your inability to work.
8. Handling the claim alone:
   Filling for the claim is a tedious task and requires the help of a lawyer with experience. If the claim has been denied, then the lawyer will help you file an appeal.