What does it mean when you see “Manulife compliance denied?”
Well, this is just another way of saying that Manulife Insurance has denied your claim, that Manulife has not acted in favour of complying with your claim’s declaration and are attesting anything stated in the claim. If Manulife denies to comply, they are being defiant and will not submit/ nor provide the promised benefits in response to your submitted claim. There reasons can vary, but the most important thing to do is to find out Why? your claim has been denied. Many people insured by Manulife Financial find that Manulife compliance is not something they are easily greeted with, and it requires a thorough, document supported, claim to have Manulife comply in your favour.
On page 27/56, in the Manulife Disability Insurance’s “Individual Insurance – Underwriting Handbook for Advisors”
, you can find a comprehensive list of medical conditions and how these claims are typically handled by Manulife Insurance.
Manulife Disability Income
First things first, upon falling ill or enduring an injury that prohibits you from working, it is important that you adhere to all the requirements for filing a disability claim, as per your Manulife insurance policy. If you are unsure about these requirements, or what your insurance policy and program cover, refer to your Insurance Booklet or contact your Manulife Customer Service agent. Do not pursue a claim while ignorant of what you are entitled to and how you need to submit a claim (including the documents required such as receipts, physician reports etc., as well as adhering to any deadlines you may have with regards to submitting your claim.)
Manulife Disability Income Denied?
If you are seeking Manulife disability income, whether be socio-economic benefits for short term disability or long-term disability, you need to make sure that you have provided all the sufficient documentation to your Manulife claims agent. Once you are certain about your submitted claim, await for Manulife Insurance’s claims department to get in contact. If you are flat out rejected, contact a long term disability attorney immediately.
Manulife Compliance & Denial Reasons
A rejected claim does not mean that you have done anything wrong, nor does it imply that your claim is insufficient. A lot of insurance companies impulsively deny claims in hopes that their policy holders will not pursue an appeal. Insurance companies are notorious for saving huge amounts of money by not providing the services that they are required to, and hide their wrong doings with elongated wait periods, monotonous paper work, and the addition of mental and physical stress imposed on those seeking claim reimbursement. This is at tactic to save money and not follow up on their insurance policy plans.
A Long Term Disability Lawyer Near Me
Contact a long-term disability lawyer if you have any questions or concerns with regards to a Manulife long-term disability, short-term disability, or mental-health disability claim. They will be your voice when corresponding with your insurance company and will ensure that you receive the full benefits you are entitled to, and possibly seek damages for any further stress that has been imposed on you during this time of healing.
Manulife Short-Term Disability (STD)
One would seek short-term disability if they find if they are unable to work due to an illness or injury, for a maximum time of 6 months. If you are unable to work for more than 6 months, you can apply for long-term disability.
Manulife STD Forms
Applying for Manulife STD depends on how which Manulife program you are receiving your coverage from. The forms needed to submit a claim depend on whether you are receiving coverage through an employer, an advisor, through Manulife’s CoverMe program, or through membership. You can find a comprehensive bank of forms online, here.
Short Term Disability Claim Denied
If you are facing a short term disability claim denial from Manulife insurance, make sure you first obtain all the information you can from your insurance provider as to Why your claims has been denied. Make sure that you:
- Document the names, employee #s and call ID # during any phone conversations you have
- Have all the required information needed to support your claim, at hand. The originals of these documents should have been submitted with your original claim (IMPORTANT: make copies of all paperwork submitted to your insurance company. Having copies for personal reference is very important!)
- Do NOT pursue a Manulife Insurance claim appeal until you have spoken with a Manulife Insurance disability lawyer. Understanding your legal rights and having the energy to deal with an insurance company is pivotal to receiving your full benefit coverage.
Manulife Long Term Disability Benefits
Manulife long term disability benefit holders typically have the following characteristics:
- Are receiving benefits which are payable after the expiration of a qualifying period in which the employee is usually receiving benefits under a short-term disability (STD) plan, or employment insurance (EI) (~ after 6 months)
- Definitions of their disability are tied to their ability to perform their original job, or any job that the employer can offer
- They are under the age of 65
Applying for long-term disability benefits, through Manulife, requires a lot more paper work and due diligence on the policy holders part. If you have any questions or concerns about applying for a long-term disability claim, or if you long-term disability claim has been denied by Manulife Insurance, contact a disability attorney ASAP.
Contact Long Term Disability Lawyers Today
It is illegal for Manulife Insurance to not disclose and help you understand/answer all your questions you may have with regards to a denied claim, what your policy covers, and the limitations of such. If you have any questions or concerns, contact TSF Law. We are striving to be the best Manulife Insurance lawyers in all of Ontario and promise to be a valued asset in the fight against your Insurance company. DO NOT pursue a disability insurance claim that has been denied on your own. This is an extremely exhausting process, mentally, physically, and financially. Obtaining a long-term disability lawyer, especially one that works on a contingency fee basis, is your ultimate choice. Contact TSF Law today; we are always there for you.
