How to Prepare Your Disability Claim
People with disabilities can file a claim for short-term or long-term disability, but you must meet the insurance qualifications. Unfortunately, many British Columbians who meet the insurance criteria are still denied disability coverage. An experienced lawyer can help you navigate this process to make sure you receive the benefits you’re entitled to for your disability.
The most common types of claims for disability in Canada involve pain, memory, flexibility, mobility, and difficulties seeing, hearing, and learning. Disabilities come in many variations, and an “invisible” disability such as mental disorder or brain injury may be more likely to be denied coverage compared to a visible condition such as multiple sclerosis.
Whether you’ve been denied disability insurance or are just beginning the process, a lawyer can help you increase your odds of approval. In addition to legal counsel, these steps will help your claim:
- Be Vigilant with Medical Records & Paperwork: All communications with your doctor, your medical records, and appointment details are essential to your claim for compensation. Keep all of these documents in a safe place.
- Adhere to Your Treatment Plan: Make sure you don’t miss doctor’s appointments, physical therapy sessions, and other parts of your treatment plan. This strengthens your claim by showing you’re dedicated to managing your disability.
- Keep a Journal of Your Injuries: When dealing with a severe disability, it’s easy to forget just how much your condition affects your everyday life and ability to work. Track your levels of pain, how well your treatments work, and list symptoms.
- Be Honest: Some patients may downplay the severity of their chronic pain or symptoms during a doctor’s visit while others may exaggerate. It’s crucial that you be honest with the medical providers in charge of your care because insurance adjusters will confirm your diagnosis.