calculator-658x278.jpgIf Your Claim Has Been Denied, an Ottawa Law Firm Can Help You

If for some reason you become unable to work, you may be eligible for disability benefits or insurance. However, applying and being accepted-even when you are eligible and in need-is seldom a straight line. It can become complicated, and you may need to turn to an Ottawa law firm for help along the way.

What Is a Disability?

For the sake of clear understanding, as it relates to the ability to carry on a job, disability is a major physical or mental impairment-whether caused by injury, illness, or otherwise-which is continuous. When applying for social assistance through the Ontario Disability Support Program (ODSP), the impairment must be expected to last a year or more. Disability insurance policies available through your work are designated by short-term disability and long-term disability benefits. In either scenario, the impairment must prevent you from being able to perform the duties of your job or to take sufficient care of yourself.

Insurance Denial

Even a legitimate disability claim can be denied by insurance providers for a number of reasons. These may include loopholes, obscure technicalities, errors on forms, and even doubts being cast upon the legitimacy of your claim after investigating it. These doubts may sometimes arise from anecdotal evidence or evidence taken out of context. In other cases, a claim may be accepted, but with harsh or unfair conditions that fail to take into account the implications of how your disability affects you.

Assistance Denial

If your place of employment doesn't offer disability insurance, you have yet to qualify for coverage (e.g. probationary period), or you have been out of work for some time, you still have an option: ODSP. The Ontario Disability Support Program exists as a last-resort government-assisted support network to provide financial assistance to those who are unable to work because of a disability. While different in many ways from the disability support provided by private insurers, there is a similar risk of your claim being denied-and for similar reasons.

How an Ottawa Law Firm Helps

If your disability claim has been wrongfully or mistakenly denied, there's still hope. You can appeal the decision, and with the help of a lawyer, you can prove that your claim meets the proper criteria and that you are eligible to receive disability benefits to help you support yourself. The lawyers at an Ottawa law firm can help you review the facts of your case and your application, and ensure that your appeal has everything that it needs to be able to succeed. And should it become necessary, they will also be able to assist you in pursuing legal action.

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