People often ask us: Do I need a lawyer for my short-term disability claim, or can I handle it myself?
Generally, the answer is that you can probably handle things on your own! But, it really depends on your situation. Keep reading to find out what we recommend.
This article is part of our Ultimate Guide to Short-term Disability Benefits.
If you’re starting your short-term disability application, transitioning from work to sick leave:
You don’t necessarily need a lawyer near the beginning of your short-term disability claim. We have plenty of resources available to help you in these early stages of your claim. Take the time to educate yourself and maximize your chances of success! You can also call in and speak with one of our disability claim specialists. They will suggest the resources that will help you the most at this moment.
If your short-term disability claim has been denied:
If your claim has been denied, we highly recommend contacting a lawyer. Without seeking advice before trying to appeal on your own, you might just make the same mistakes that lead to the denial in the first place.
The key thing that a lawyer can help with is identifying the real reasons for your denial. They can also see any red flags on your case from the insurance company’s point of view. Knowing these will help you put your appeal together because you will know exactly what you have to dispute.
👉 Related reading: Why was my short-term disability claim get denied?
We know that people get anxious about their health or finances, and any other number of stressors during the appeal process. If you speak with a lawyer, you will be giving yourself the best chance at approval.
The good news is, you can often contact a lawyer about this for free. Many law firms, including ours, offer free services and resources to help you do it all on your own.
If you’re being sent back to work:
Perhaps you are still receiving short-term disability payments, but the insurance company says they will stop soon. At this point, you may need more in-depth advice. At this stage, a lawyer can examine the communications from your insurance company to see what’s happening, and what steps you need to take.
Again, this can sometimes be done for free. Once the free consultation or claim review is completed, you can take the next steps on your own or hire a law firm to help guide you the rest of the way through.
Click here to see how a lawyer can help with your short-term disability claim.
Next steps — Get your free book!
Click the image below to download our free book — A Beginner’s Guide to Disability Insurance Claims in Canada.