Member's Statement

You, as the Member, are required to fill out this portion of the application and you will be asked for the following information:  

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· Identification

· Reason for the claim

· Description of the incident and why your disability is preventing you from working

· Your current health status

· Contact information for any treatment providers

· Void cheque for direct deposit

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You will also be asked to authorize Industrial Alliance to access your medical records for the purpose of evaluating your claim.

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Policyholder's Statement

The “Policyholder” is typically your employer. They are responsible for filling out this form with the following information:

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· Work schedule and earnings information

· Employment information including date of your injury

· Work demands information

· Any additional information your employer thinks is necessary

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Even though your employer fills out this form, you will still need to read it over and certify that the description is a true and accurate account of your regular work duties. Be sure to read this section over closely and raise any concerns you have with your employer.  

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Attending Physician's Statement

This form is to be filled out by your treating physician. Your signature will be required on this form to authorize the release of this medical information. The physician will be asked to provide information about the following:  

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· Diagnosis

· Limitations and restrictions that prevent you from carrying out work duties

· Treatment, including drugs and surgeries

· Follow-up and prognosis

· Medical history

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Building a winning disability claim with Industrial Alliance requires a supportive physician statement. Your physician should be able to speak to how your disability is affecting your work. If your physician is unwilling or unable to fill out the attending physician statement, you may need to find a physician who will be supportive of your disability claim [hyperlink to “What happens if my doctor does not support my long-term disability claim?”]. Depending on the nature of your disability, it may be worthwhile to seek out treatment from a specialist to strengthen your disability benefits claim.  
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What Obligations Do I Have Once I Have Submitted A Disability Claim to Industrial Alliance?

After more than a century of experience, Industrial Alliance is quite good at denying and terminating disability benefits. One common reason Industrial Alliance might deny or terminate your disability benefits is if you do not keep them updated on your medical condition. For example, the terms of your plan or policy may require you to notify Industrial Alliance of any improvement in your medical condition, any return to work, and any entry into a training or rehabilitation program. You are also required to notify Industrial Alliance of any changes to your banking information.

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Industrial Alliance will assign you a disability case manager who may reach out to you or your physician for more details regarding your claim. Though these calls may be stressful, it is important to be honest with your disability case manager so they do not have a reason to deny your disability benefits claim.

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Read the terms of your policy carefully or have an experienced disability lawyer atFreedom Disability Lawyers help you review your claim.

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When And How Do I Get Paid If MyIndustrial Alliance Disability Claim Is Successful?

Long term disability claims are subject to an “elimination period,” which is the time between when you became disabled and when your long term disability benefit payments start. This allows industrial Alliance time to evaluate your claim.

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If your claim is approved, you will be paid via direct deposit on a monthly basis. The disability benefits you receive will be a percentage of your monthly income. It is important that you provide Industrial Alliance with updated banking information.

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What Do I Do If My IndustrialAlliance Disability Claim Is Denied?

Having your disability claim denied is difficult, but it is not the end of the road.Industrial Alliance will present you with the reasons why they denied your claim and you have the chance to appeal it [hyperlink to “What is a longterm disability internal appeal?”].

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If your long term disability claim has been denied by Industrial Alliance, it may be worth contacting the experienced disability lawyers at Freedom Disability Lawyers for a FREE CASE REVIEW.

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Get Support With Your Industrial Alliance Disability Claim

Submitting your disability benefits claim online with Industrial Alliance may seem easy, but it is no guarantee that your claim will be successful. Online submissions are still subject to old school strategies for denying disability benefits claims. Being aware of what Industrial Alliance is looking for in a winning disability benefits claim is key to putting your best foot forward.

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Freedom Disability Lawyers only practice in the area of disability. We are dedicated to our clients. You can learn more about how we handle disability claims here [hyperlinkto FDL article about disability claims].

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If you are in need of legal advice or representation for your disability benefitsclaim, we serve clients in Ontario and Atlantic Canada. Contact us today [contacthyperlink] and tell us more about your claim – we are here to help!

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