Misconception #3: Applying for LTD Benefits Is a Simple Process

Fictional Conversation (overheard at a restaurant)

Person A: “I heard getting LTD is pretty straightforward. You just fill out a form and provide some medical records, right?”

Person B: “I think that’s how it works. I’ve had a friend who filed a claim, and they got approved pretty quickly. It seems like it’s just a matter of paperwork.”

Person A: “I think so. As long as you have your doctor’s note, it’s smooth sailing.”

How to Overcome:

The reality is that applying for LTD benefits is often much more complicated than it seems. Insurers require extensive documentation, including detailed medical records, tests, treatment history, and often require a lengthy waiting period before benefits are approved. Some claims can be delayed or denied because the application is incomplete or insufficiently detailed. This can result in long waiting periods for individuals who need support.

To overcome this, it’s crucial to work closely with your healthcare providers to ensure they are thorough in documenting your condition and the limitations it places on your ability to work. It’s also a good idea to consult with a lawyer specializing in disability claims to ensure that all the necessary paperwork is correctly filled out and submitted on time, improving your chances of a successful application.

Technicalities:

In Gauthier v. Canada Life Assurance Company (2015), the Ontario court dealt with a case where the claimant’s LTD application was initially denied due to insufficient medical evidence. The court found that the insurer failed to properly assess the claimant’s medical history and condition. This case highlights the importance of providing comprehensive and accurate medical records to support an LTD claim. Legal counsel can assist in ensuring that all necessary documentation is gathered and submitted.