Manulife is a well-known insurance company in Canada, offering both group and individual long-term disability (LTD) policies. These policies are designed to provide financial support if you are unable to work due to a serious illness or injury.
Group LTD plans are usually provided by employers, while individual plans are purchased directly by individuals, such as self-employed professionals or business owners.
Receiving a denial of long-term disability benefits from Manulife can be disheartening, especially when you are already dealing with a challenging health condition. However, it is important to remember that you have rights and options to appeal the decision.
Why Would Manulife Deny Your Claim?
Manulife may deny a claim for various reasons, some of which include:
- Insufficient Medical Evidence: If the medical documentation provided does not clearly demonstrate how your condition affects your ability to work.
- Missed Deadlines: Failure to submit required forms or documentation on time.
- Independent Medical Examinations (IME): Disagreement between the findings of the doctor chosen by Manulife for an IME and your own physician.
- Surveillance or Social Media Scrutiny: Monitoring of social media accounts or conducting surveillance to challenge the severity of your condition.
- Change in Disability Definition: Altering the definition of disability after two years, requiring proof that you are unable to perform any job based on your skills or experience.
Steps to Take After Your Claim is Denied
If your LTD claim is denied, there are several steps you can take to appeal the decision and fight for the benefits you deserve:
- Review the Denial Letter Carefully: Understand the reasons for denial outlined in the letter.
- Gather All Necessary Documentation: Ensure all medical records and supporting documents are in order.
- Appeal the Denial: Submit additional medical evidence, be clear about how your condition affects your ability to work, and respond promptly to requests for information.
- Consult a Disability Lawyer: Seek legal advice and assistance to navigate the appeal process effectively.
- Don’t Forget About Employment Issues: Address any concerns related to your employment and disability benefits with the help of a lawyer.
What to Expect During the Appeal Process
The appeal process for a denied LTD claim with Manulife can take several weeks to months. During this time, you may be asked for additional documentation or undergo further medical evaluations.
While waiting for the outcome of the appeal, it is essential to understand your coverage and any interim support options available to you. This may include continued receipt of short-term disability benefits or other forms of income assistance as per your policy.
By staying informed and seeking legal guidance when needed, you can navigate the appeal process effectively and work towards securing the long-term disability benefits you deserve.