No one starts working with the expectation that they will be disabled, but it does happen to a small percentage of workers every year.
In the unfortunate event that you find yourself needing to apply for disability benefits, whether it be short- or long-term benefits, you need to be prepared. Avoid making common mistakes that could hurt your claim and give yourself the best chance at success by following our general recommendations for making a disability benefits claim.
A successful disability claim will provide you with the financial support needed for you to focus on improving your physical and mental wellbeing.
In today’s post, NOVA Injury Law will be providing Atlantic Canadians with some helpful tips of what to do and not do when claiming disability benefits.
DO: Stay Informed on Your Insurance Policy
Knowledge is power, and specificity is required if you want to have your benefits approved.
Get a copy of your group benefits book or insurance policy and take the time to carefully read it over, giving particular attention to the terms and definitions.
Understanding your insurance policy is an important first step for anyone contemplating a claim for disability benefits. You should familiarize yourself with the part of your policy that dictates the proper procedure for filing a claim. Take note of any other important information, including how long you have to file a claim and any other requirements that may impact your eligibility for benefits.
It is also recommended that you review any other forms, documentation, or contracts that you receive from the insurance companies with careful precision. Never sign something from an insurance company without carefully reviewing it first and making sure you fully understand it.
If you are in doubt about whether you should sign something, it is best to speak with your lawyer first to avoid signing anything that could potentially be used against you during your case.
DON’T: Quit Your Job or Cut Back on Working Hours
Opting for fewer working hours or quitting your job outright may cost you your disability benefits.
Most disability benefits policies will require you to be actively at work when you apply for disability benefits. This means you will likely be prevented from making an application for benefits if you resign or are terminated. Similarly, most policies require employees to work a minimum number of hours to qualify for coverage. We recommend doing your research prior to making any decisions that could impact your eligibility for coverage.
If you do feel as if you cannot work at all, we recommend completing the application forms as soon as possible and using any sick time you have accumulated. Although it is important to submit your application while you are eligible and employed, you should not jeopardize your health and safety either.
If you are unable to take sick days and your employer is unwilling to accommodate your limitations during your application process, you should contact a disability lawyer as soon as possible to discuss your options. Call NOVA Injury Law today for FREE CASE REVIEW at1-800-262-8104.