Beneva (formerly La Capitale and SSQ Insurance) Long-Term Disability Claims

Securing long-term disability (LTD) benefits can be crucial for individuals who are unable to work due to injury or illness. However, navigating the LTD claims process can be complex, especially when faced with denials from insurance providers like Beneva Insurance.

Background:

Beneva formed out of a merger between La Capitale Insurance and SSQ insurance. La Capitale Financial Group, headquartered in Quebec City, has a history dating back to 1940. It initially operated as a credit union and gradually expanded its services to include insurance and financial products. La Capitale Insurance became known for offering a range of insurance products, including life insurance, health insurance, disability insurance, and investment solutions.

SSQ Insurance traces its roots back to 1944 when it was founded as the Société de secours mutuels du clergé paroissial (SSMCP), also in Quebec City. Over the decades, SSQ Insurance expanded its offerings beyond serving the clergy to become a leading provider of insurance and financial services to individuals, businesses, and groups across Canada.

In 2019, La Capitale and SSQ Insurance merged to form a new entity known as Beneva. The merger brought together two established insurance and providers, combining their expertise, resources, and customer bases under one brand. Beneva continues to offer a range of insurance products, including long-term disability insurance, to meet the diverse needs of Canadians across the country.

Claims Process Overview:

Filing an LTD claim with Beneva Insurance involves a detailed process. Claimants must submit comprehensive medical evidence, treatment records, and relevant documentation to support their disability claim. Effective communication with Beneva representatives is vital throughout the process to ensure all requirements are met.

Can Beneva Deny My LTD Claim?

Yes, like other insurance providers, Beneva has the authority to deny LTD claims based on a variety of factors. These might include:

• Insufficient medical evidence
• Policy exclusions
• Failure to meet the policy’s definition of disability
• Procedural errors in the claims submission process
• And more

Why Do LTD Insurance Providers Deny Claims?

LTD insurance providers like Beneva may deny claims for reasons such as discrepancies in medical documentation, conflicting opinions between healthcare providers, failure to adhere to policy criteria, or missed deadlines in the claims process. Understanding the reasons why an application was denied is crucial for claimants navigating the LTD claims process. By reviewing Beneva’s application, claimants can prepare a comprehensive appeal with the help of an experienced LTD lawyer.

What Does the LTD Claims Appeal Process Involve?

The appeals process for denied LTD claims with Beneva typically involves submitting additional evidence, engaging in dialogue with Beneva representatives, and possibly participating in assessments or hearings. Working with a disability lawyer experienced in LTD appeals can greatly assist in navigating this complex process.

Are There Time Limits For Filing Legal Insurance Claims in Canada?

Yes, there are specific time limits and deadlines for filing legal claims related to denied LTD benefits in Canada. If claimant’s are pursuing LTD benefits thorugh Beneva, it is crucial they remain aware of timelines stipulated by both their respective province and their insurer. By doing so, they can take prompt action, including seeking legal advice if their claim is denied.

How Long Does the Claims Process Take?

The duration of the LTD claims process with Beneva varies based on factors such as case complexity, availability of medical evidence, and responsiveness of all parties involved. Claimants should be prepared for potential delays and work diligently to meet all requirements promptly.

What To Do If My LTD Benefits Have Been Denied?

If your LTD benefits claim with Beneva has been denied, seeking legal guidance from a personal injury law firm that deals in LTD claim denials is essential. A disability lawyer can review the denial letter, assess appeal grounds, gather additional evidence, and advocate on your behalf during the appeals process.

Contact a Disability Lawyer About Your LTD Denial Today

Claimants facing LTD claim denials with Beneva Insurance can benefit significantly from legal representation. Contacting a disability lawyer at Preszler Injury Lawyers can help you secure the essential coverage you deserve and provide peace of mind. To get started with your claim or appeal, schedule a consultation with our long-term disability lawyers today.