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IV

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

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