Experiencing a denial from Manulife on your long-term disability (LTD) claim can be a tough blow, especially amidst battling a severe illness or injury. Recognizing the measures to take after a Manulife long-term disability claim denial is essential for pursuing the benefits you’ve invested in.
Manulife, one of Canada’s largest insurers, provides long-term disability insurance for both groups and individuals. Group policies are employer-provided, while individuals, such as self-employed persons or business owners, purchase their own plans. Understanding your rights and the strategic steps you need to take can better prepare you to contest the denial of your claim.
Understanding Why Manulife May Deny Your Claim
Manulife may reject a claim for several reasons. Here are some common causes:
- Insufficient Medical Evidence: Your submitted medical documentation might not clearly demonstrate your inability to work, leading Manulife to contest whether you meet their disability criteria.
- Missed Deadlines: Denial may result if required forms or documents are not submitted within specified timelines.
- Independent Medical Examinations (IME): You may need to attend an IME. If their chosen doctor does not agree with your doctor’s evaluation, this could justify a claim denial.
- Surveillance or Social Media Scrutiny: Surveillance or social media account reviews by Manulife might uncover or misinterpret activities contradicting the severity of your declared condition.
- Change in Disability Definition: After two years on LTD, Manulife may update the disability definition, requiring evidence that you cannot perform any job suited to your skills or experience.
Steps to Consider After Your Claim is Denied by Manulife
If faced with a denial of your Manulife claim, it’s crucial not to lose hope. Proactive steps can improve your chances of obtaining the benefits you deserve.
Scrutinize Your Denial Letter
Carefully read the letter from Manulife detailing the denial reasons. Sometimes, issues are straightforward, such as missing documentation; other times, they may involve disputes regarding the nature of your disability.
Assemble Supporting Documentation
Gather all necessary medical records and documentation. If medical evidence is insufficient, consult with healthcare providers to obtain thoroughly detailed reports illustrating your inability to work.
Initiate the Appeal Process
After understanding the denial and gathering the right documents, start the appeal process with Manulife. In appealing, focus on submitting additional medical evidence, clearly outlining your work limitations, and providing prompt responses to further information requests.
Seek Professional Guidance
Consulting a disability lawyer can provide clarity and direction if you encounter challenges during the appeal process. Many lawyers offer a free initial consultation, providing valuable insights without immediate financial obligations. A legal expert can help comprehend your rights and navigate you through the necessary steps, including document collection and communication with Manulife.
Consider Employment-Related Concerns
Pay attention to potential employment matters while dealing with the LTD claim denial. For instance, consider how your employer manages your position during this period. Understanding the terms in your employee benefits booklet or insurance certificate can shed light on how your benefits should be maintained. Consulting a lawyer can help ensure you’re aware of any employment rights that might need addressing.
Anticipating the Appeal Process
The appeal timeline for a denied Manulife long-term disability claim varies, spanning several weeks to months based on complexity. During this phase, you may need to provide further documentation or undergo another medical evaluation. It’s important to explore options for interim financial support, such as short-term disability benefits. Gain full awareness of your coverage details; seeking legal advice can dispel confusion and guide you wisely during this period.
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