APPEALING THE DENIAL OF DISABILITY BENEFITS
Here is what you should do if you have been denied disability benefits through your insurance provider:
If you have not already done so, obtain a copy of your policy so that you are very clear about qualifying conditions and whether or not you are in fact eligible to receive the insurance.
Request the reasons for denial in writing. Unfortunately, unless your plan states so, the insurance provider is not required to give them to you.
If you do qualify and you have been denied, ask your doctor to write a letter indicating that you do indeed qualify under your policy. The more specialized the physician, the greater the weight her/his opinion will carry. Send the physician’s letter along with your own to the insurance company stating that you are disputing its decision.
Most insurance companies have a policy for reviewing declined claims. If your disability insurance is provided through a bank, contact the bank’s ombudsperson.
If the suggestions listed above do not produce a satisfactory result in providing your disability benefits, there are a number of organizations you can contact for information and assistance. Their addresses and phone numbers can be found in Section V of this booklet. They include: 9 The BC Human Rights Tribunal 9 The Community Legal Assistance Society (CLAS) 9 The Lawyer Referral Service 9 The Legal Services Society 9 The BC Coalition of People With Disabilities
Volunteer Legal Advocacy Program MS Society of Canada, BC Division