Employment history is critical in evaluating disability claims. It helps establish eligibility for disability benefits and assists in determining the impact of your disability on your ability to work. Understanding how your work history fits into the larger picture of your long-term disability claim can make a significant difference in your pursuit of benefits.
The role of work history and disability claims
Your work history can influence your disability claim in several ways. First and foremost, it helps establish whether you meet the work requirements for disability benefits as provided through your insurance company.
Also, if you’re applying for the Canada Pension Plan disability benefits through the federal government, you’ll need to fill out a form with a completed questionnaire and detail your work history and ability to work.
Disability benefits and employment history
When applying for long-term benefits through your insurance company, you typically need to submit three forms: an application form, a doctor’s form and an employer’s form. Your employer must fill out the employer’s form, which will confirm your:
Hours of work
Before sending the form to the insurance company, review it to ensure the information is accurate. If you notice any mistakes, don’t write on or edit the form because it’ll look like you’re tampering with the application, which could cause your insurance company to deny your claim. Instead, bring up the incorrect information with your employer and ask that they fill out a new form.
Employment history and disability definitions
Insurance policies typically differentiate between "total disability" and "partial disability," and your work history will determine the category you fall into.
Total disability implies that you’re incapable of performing the essential or routine duties associated with your job or any other occupation you might pursue.
Partial disability indicates that you can still engage in some degree of work. It may include the ability to fulfill partial responsibilities within your job. It may also apply if your reduced workload has caused you to experience a reduction in income exceeding 20 per cent.
How a disability benefits lawyer can help
If you have any questions about how your work history will affect your long-term disability claim, speak to an experienced disability benefits lawyer. A lawyer will guide you through the process and ensure that your rights are protected. Additionally, if your insurance company denies your claim, a disability benefits lawyer can help with the appeal process.
Contact an experienced disability benefits lawyer in Saskatchewan and Alberta
If you’re considering filing a disability claim in Saskatchewan or Alberta, an experienced disability lawyer at Ludwar Law Firm can help. We’ll help you understand the process, gather the necessary evidence and take your insurance company to court, if necessary. We’ve helped clients win long-term disability claims for 25 years. Contact us today to book your consultation.