If someone employed at a Canadian company gets injured and becomes severely disabled, then he or she has the right to apply for long-term disability insurance. Of course, the mere submission of an application does not guarantee the eventual enjoyment of long-term coverage. The applicants that obtain such coverage have managed to satisfy a few specific requirements.
Each applicant expected to furnish the insurance company with requested information
All applicants must submit a completed application form.
Each applicant’s physician is asked to provide the insurance company with a report that contains the updated information on the patient’s/claimant’s medical condition.
The step that follows submission of the requested information
Based on the application, the insurance company determines the best course of treatment. Therefore, all the applicants that hope to satisfy the specific requirements need to take part in a selected course of treatment and rehabilitation.
The time span that leads to the final requirement
That time span is called the qualifying period. During the qualifying period, the insurance company views the worker’s injury as one that keeps him or her from carrying out the tasks that are part of that same worker’s existing occupation. The qualifying period lasts for 2 years. At the end of those 2 years the insured employee must satisfy one further requirement. That requirement relates to planned changes in the company’s coverage.
The final requirement
The insured employee is supposed to comply with a scheduled investigation. The insurance company checks to see if the same employee’s disability could keep him or her from taking on the tasks that are associated with any occupation. If the insurance company fails to view the employee’s disability as something that eliminates pursuit of any occupation, the long-term coverage comes to an end.
The choice facing those employees that have been denied a continuance of long-term coverage
Any of those employees might elect to undergo a period of re-training, and then to search for a different sort of job. The alternate approach would involve hiring a lawyer, in order to fight the insurance company’s ruling. Obviously, an attorney would tend to favor that alternate approach. Still, the end result of a fight with the insurance company might remain uncertain.
Any Personal Injury Lawyers in Bridgewater that want their clients to challenge the denial of coverage need to appreciate the degree of uncertainty that has been created by that same denial. A lawyer’s ability to recover a client’s lost coverage depends on the physician’s ability to demonstrate the severe nature of the patient’s/client’s disability. In other words, the physician and the attorney need to work together. In that way, the client should be freed from the need to tackle the demands of a new job.