Get the Support You Need
Do you know what to do if you're denied disability benefits in Ontario? Getting denied disability benefits can be overwhelming and frustrating. Whether your claim is through a private insurer or the Ontario Disability Support Program (ODSP), a denial doesn’t mean the end of the road. This guide will walk you through simple steps to take, how to appeal and where to get expert legal help from law offices such as Share Lawyers or Diamond & Diamond Lawyers, two popular options.
Step 1: Carefully Read the Denial Letter
Your denial letter should clearly state why your claim was rejected. Common reasons include:
- Insufficient medical evidence.
- Missed deadlines.
- The insurer believes you can return to work.
Make notes on the key reasons listed. This will help you focus your appeal.
Step 2: Collect Strong Supporting Documents
Gather all relevant documents, including:
- Detailed doctor’s reports.
- Hospital records.
- Prescription lists.
- Workplace assessments or occupational therapist evaluations.
Ask your doctor to write a clear letter explaining how your disability affects your ability to work.
Step 3: Keep Track of Important Deadlines
Deadlines vary depending on the type of claim. For ODSP:
- You have 30 days to request an internal review.
- If still denied, you have another 30 days to appeal to the Social Benefits Tribunal.
Private insurance companies also have strict timelines, so check your policy or denial letter carefully.
Step 4: File an Internal Review or Appeal
If you're denied by ODSP, start by filing an internal review. If you're dealing with a private insurance company, you can do the following:
- Submit an appeal directly to the insurer (some allow multiple levels of appeal).
- File a legal claim if appeals are exhausted or denied unfairly.
Step 5: Get Legal Help
Hiring a lawyer experienced in disability claims can significantly improve your chances. Many work on a contingency basis meaning you don’t pay unless they win your case.
Recommended Disability Lawyers in Ontario
1. Share Lawyers
Share Lawyers specializes in disability law and has been helping clients for over 35 years. They offer a free consultation and no upfront fees. They handle:
- Short- and long-term disability denials.
- Appeals and lawsuits.
- Denied CPP and ODSP claims.
2. Diamond & Diamond Lawyers
Diamond & DIamond Lawyers is a well-known firm has a strong track record in long-term disability and insurance claims. They provide legal support at all stages of the appeals process and have offices across Ontario.
3. Kotak Personal Injury Law
Kotak Law is known for handling complex disability denial cases. They provide aggressive representation and also deal with psychological and invisible disabilities such as depression or chronic pain.
4. MKP Law
MKP Law offers personalized legal assistance for disability and insurance matters. They guide you through every step, from appeal letters to court representation if needed.
5. Himelfarb Proszanski
Himelfarb Proszanski handles disability, WSIB and injury claims. They’re known for offering holistic client support and straightforward legal advice.
Extra Tips for Success
- Keep a journal. Record your symptoms, doctor visits and how your disability affects your daily life.
- Don’t give up. Many people are approved after appealing an initial denial.
- Be honest and thorough. Inaccurate or incomplete information can hurt your claim.
- Stay organized. Create a folder for all documents and correspondence related to your case.
Final Thoughts
Being denied disability benefits is not the end. With the right documents, persistence and legal support, many people go on to win their claims. Don’t hesitate to reach out to one of the legal experts listed above because they can help you fight for the benefits you need and deserve.
This article is for general information only and is not a substitute for legal advice. Always consult a qualified lawyer for guidance on your specific situation.