Denied long-term disability for schizophrenia? 3 things you must do [Video]

Being diagnosed with schizophrenia can change an individual’s life forever. In certain situations, it’s nearly impossible for Canadians to continue working – even with a significant amount of medication and treatment.

Unfortunately, insurance companies often deny legitimate long-term disability (LTD) claims in cases involving schizophrenia.

One excuse commonly used by insurers to prevent claimants from accessing disability benefits is that they don’t meet the definition of “totally disabled” under their policy.

READ MORE: Invisible illnesses: Can I still get long-term disability even if I don’t look sick?

If your insurance company rejected your claim for LTD benefits based on schizophrenia, here are three things you need to do.

1. Request a denial letter

Denial letters force insurers to “lock in” their rationale for turning down an individual’s LTD claim.

If your insurance company didn’t have a legitimate reason for denying you access to disability benefits, this document will make it very difficult for them …