Steps to Take After Your Long-Term Disability Claim Is Denied by Manulife

Manulife is 1 of Canada’s largest security companies, offering some group and individual semipermanent disablement (LTD) policies. These policies are designed to thief switch a information of your income if you’re incapable to activity owed to a superior unwellness aliases injury.

Group plans are usually provided by your employer, while individual plans are bought straight by people, for illustration self-employed professionals aliases business owners.

Denial of semipermanent disablement benefits from Manulife tin consciousness for illustration a punch to nan gut, particularly erstwhile you’re already dealing pinch a superior unwellness aliases injury. You person rights, and location are clear, strategical steps you tin return to conflict for nan benefits you’ve been paying a premium for each this while.

Why Would Manulife Deny Your Claim?

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Manulife whitethorn contradict a declare for various reasons. Some of nan astir communal ones include:

• Insufficient Medical Evidence: If nan aesculapian documents you submitted don’t intelligibly show really your information prevents you from working, Manulife mightiness reason that you don’t meet nan disablement criteria.
• Missed Deadlines: If you didn’t taxable nan required forms aliases archiving connected time, this could beryllium a logic for denial.
• Independent Medical Examinations (IME): Manulife whitethorn petition that you be an IME. If nan expert they take disagrees pinch your ain doctor’s findings, they mightiness usage this arsenic a logic to contradict your claim.
• Surveillance aliases Social Media Scrutiny: Sometimes, Manulife will behaviour surveillance aliases reappraisal your societal media accounts to look for signs that your information is not arsenic terrible arsenic you’ve claimed. Even guiltless posts showing you doing things mightiness beryllium misinterpreted.
• Change successful Disability Definition: After 2 years of being connected LTD, Manulife whitethorn alteration nan meaning of your disability. Instead of conscionable proving you can’t do your existent job, they’ll require impervious that you can’t do any occupation that fits your skills aliases experience.

Steps to Take After Your Claim is Denied

If your LTD declare has been denied, don’t panic. You tin return respective steps to entreaty nan determination and conflict for nan benefits you deserve.

Review nan Denial Letter Carefully

Manulife will nonstop you a missive explaining why your declare was denied. Make judge you publication it carefully. Sometimes, nan reasons for denial mightiness beryllium straightforward, for illustration missing aesculapian grounds aliases missing deadlines. Other times, it whitethorn beryllium much complex, for illustration a conflict complete nan meaning of your disability.

Gather All Necessary Documentation

One of nan astir important things you tin do is guarantee that each your aesculapian records and different supporting documents are successful order.

If Manulife claims you don’t person capable aesculapian evidence, it’s clip to spell backmost to your healthcare providers. Ask your doctors for much elaborate reports aliases letters that explicate why you can’t work.

Appeal nan Denial

Once you’ve understood nan logic for nan denial and gathered nan basal documentation, you tin statesman nan entreaty process. Manulife’s process whitethorn look complicated, but it’s important to enactment connected apical of it. When appealing, make judge to:

• Submit further aesculapian grounds if necessary.
• Be clear astir really your information affects your expertise to work.
• Respond quickly to immoderate requests from Manulife for much information.

Consult a Disability Lawyer

If you’re unsure astir really to proceed aliases if you’re facing challenges pinch nan entreaty process, it’s a bully thought to activity thief from a lawyer who specializes successful disablement claims. Many lawyers connection free consultations truthful you tin get proposal without worrying astir upfront costs.

A lawyer tin thief you understand your rights, reappraisal your claim, and guideline you done nan ineligible steps to get your declare approved. They tin besides assistance you pinch gathering nan correct archiving and communicating pinch Manulife connected your behalf.

Don’t Forget About Employment Issues

While dealing pinch your LTD claim, you besides request to beryllium alert of immoderate employment-related issues. For example, you whitethorn person concerns astir really your employer is handling your position during your disability.

Make judge to reappraisal your employee benefits booklet aliases certificate of security to understand really your benefits should beryllium treated. 

You whitethorn want to talk these concerns pinch a lawyer arsenic good to guarantee your employer isn’t violating immoderate rules related to your disablement benefits.

What to Expect During nan Appeal Process

The entreaty process for a denied semipermanent disablement declare pinch Manulife usually takes respective weeks to months, depending connected nan complexity of nan case.

During this time, you whitethorn beryllium asked to supply further archiving and aesculapian updates aliases moreover acquisition different aesculapian examination.

While waiting, support successful mind that you still person options for interim support. You whitethorn proceed to person short-term disablement benefits aliases different forms of income assistance, depending connected your policy.

Make judge you understand nan afloat scope of your sum during this period. If there’s portion of your sum you do not understand, find a competent lawyer adjacent by to break it down for you.