{"id":2959,"date":"2022-04-05T09:51:28","date_gmt":"2022-04-05T13:51:28","guid":{"rendered":"https:\/\/burntucker.com\/?p=2959"},"modified":"2022-05-06T19:16:52","modified_gmt":"2022-05-06T23:16:52","slug":"assurance-invalidite-quoi-faire-si-on-refuse-ma-demande","status":"publish","type":"post","link":"https:\/\/burntucker.com\/fr\/articles\/assurance-invalidite-quoi-faire-si-on-refuse-ma-demande\/","title":{"rendered":"Assurance invalidit\u00e9 \u2013 Quoi faire si on refuse ma demande?"},"content":{"rendered":"

Vous avez peut-\u00eatre une assurance de groupe \u00e0 travers votre employeur ou une assurance personnelle en cas d\u2019invalidit\u00e9. Cette assurance a pour but de vous verser une prestation d\u2019invalidit\u00e9 servant \u00e0 remplacer une partie de votre revenu d\u2019emploi lorsque vous \u00eates incapable de travailler pour des raisons m\u00e9dicales. Si vous \u00eates incapable de travailler pour des raisons m\u00e9dicales, il est important de r\u00e9viser votre contrat d\u2019assurance invalidit\u00e9 pour savoir \u00e0 partir de quel moment vous pouvez faire une demande de prestations. Plusieurs contrats imposent un d\u00e9lai d\u2019attente de plusieurs semaines avant d\u2019\u00eatre \u00e9ligible \u00e0 faire une demande. Entre temps vous devez utiliser vos cong\u00e9s de maladie, faire une demande pour des prestations d\u2019invalidit\u00e9 de courte dur\u00e9e aupr\u00e8s de votre employeur et\/ou faire demande aupr\u00e8s du gouvernement pour des prestations de maladie de l\u2019assurance-emploi.<\/p>\n

 <\/p>\n

Comment faire demande pour des prestations d\u2019invalidit\u00e9 \u00e0 long terme?<\/u><\/strong><\/p>\n

Une fois que le d\u00e9lai impos\u00e9 par l\u2019assureur est pass\u00e9 et qu\u2019il a \u00e9t\u00e9 d\u00e9termin\u00e9 par un professionnel de la sant\u00e9 que vous ne pouvez toujours pas travailler, vous pourrez soumettre votre demande. Nous vous conseillons de pr\u00e9parer votre demande d\u2019avance et de le faire sur plusieurs jours puisque les informations demand\u00e9es peuvent \u00eatre nombreuses. Vous devrez aussi demander \u00e0 votre m\u00e9decin ou autre professionnel de la sant\u00e9 traitant de remplir un formulaire d\u00e9crivant vos probl\u00e8mes de sant\u00e9. Enfin, votre employeur soumettra un autre formulaire confirmant les d\u00e9tails de votre emploi.<\/p>\n

 <\/p>\n

Est-ce que votre demande sera approuv\u00e9e automatiquement? <\/u><\/strong><\/p>\n

Malheureusement la r\u00e9ponse \u00e0 cette question est non. L\u2019assureur peut refuser votre demande de prestations d\u2019invalidit\u00e9 s\u2019il juge que votre demande n\u2019est pas justifi\u00e9e. L\u2019assureur vous demandera de la preuve m\u00e9dicale additionnelle pour supporter votre demande. \u00c0 chaque fois que vous ferez parvenir de nouveaux documents, l\u2019assureur aura le devoir de r\u00e9viser ceux-ci et de revoir sa d\u00e9cision. Chaque d\u00e9cision de l\u2019assureur doit vous \u00eatre communiqu\u00e9 par \u00e9crit et doit vous aviser du processus d\u2019appel. Sachez que vous n\u2019\u00eates pas oblig\u00e9 de passer par le processus d\u2019appel et que vous pouvez choisir de commencer une poursuite d\u00e8s que vous \u00eates mis au courant du refus de votre demande. Avant de prendre une telle d\u00e9cision nous vous conseillons de contacter un(e) avocat(e) afin d\u2019obtenir des conseils.<\/p>\n

 <\/p>\n

Si ma demande est approuv\u00e9e, est-ce que l\u2019assureur peut changer sa d\u00e9cision?<\/u><\/strong><\/p>\n

L\u2019assureur peut en tout temps changer sa d\u00e9cision s\u2019il obtient de l\u2019information que votre situation a chang\u00e9 ou s\u2019il vous a demand\u00e9 une mise \u00e0 jour et que vous ne lui avez pas fait parvenir. Il peut aussi changer sa d\u00e9cision si vous refusez de suivre des traitements recommand\u00e9s ou si vous refusez de vous soumettre \u00e0 une \u00e9valuation m\u00e9dicale demand\u00e9 par l\u2019assureur.<\/p>\n

De plus, l\u2019assureur peut mettre fin \u00e0 vos prestations apr\u00e8s deux ans lorsqu\u2019il y a un changement de d\u00e9finition qui s\u2019impose. Le changement de d\u00e9finition se retrouve dans la plupart des contrats d\u2019assurance de groupe qui ont une clause qui indique que la prestation d\u2019invalidit\u00e9 sera payable pendant les 24 premiers mois si vous \u00eates incapable de faire les t\u00e2ches essentielles reli\u00e9 \u00e0 votre emploi. Par contre la clause indique qu\u2019apr\u00e8s les 24 premiers mois, la prestation d\u2019invalidit\u00e9 sera payable seulement si vous \u00eates incapable de faire tout emploi pour lequel vous avez l\u2019exp\u00e9rience ou l\u2019\u00e9ducation n\u00e9cessaire. La disponibilit\u00e9 de l\u2019emploi n\u2019est pas un facteur pris en consid\u00e9ration. Cela veut dire que m\u00eame si vous n\u2019\u00eates pas capable de faire votre emploi. si l\u2019assureur d\u00e9termine que vous \u00eates capable de faire un autre type d\u2019emploi, il pourra mettre un terme au paiement de prestations. La d\u00e9cision de l\u2019assureur n\u2019est pas tout le temps justifi\u00e9e et l\u2019assureur ne respecte pas toujours ses obligations contractuelles.<\/p>\n

 <\/p>\n

En cas de refus, renseignez-vous sur vos droits<\/u><\/strong><\/p>\n

Si votre assureur refuse de vous payer des prestations d\u2019invalidit\u00e9, appelez-nous sans h\u00e9siter. Nos avocates ont beaucoup d\u2019exp\u00e9rience dans ce type de dossier et elles sauront vous aider \u00e0 prendre de bonnes d\u00e9cisions et \u00e0 vous repr\u00e9senter si vous le d\u00e9sirez. Une consultation gratuite d\u2019une heure s\u2019offre \u00e0 vous donc n\u2019h\u00e9sitez pas \u00e0 nous contacter<\/a> d\u00e8s aujourd\u2019hui!<\/p>\n

Our services are offered in English and in French.<\/p>\n","protected":false},"excerpt":{"rendered":"

Vous avez peut-\u00eatre une assurance de groupe \u00e0 travers votre employeur ou une assurance personnelle en cas d\u2019invalidit\u00e9. Cette assurance a pour but [\u2026]<\/span><\/p>\n","protected":false},"author":11,"featured_media":2973,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[669],"tags":[],"class_list":["post-2959","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-autres"],"acf":[],"yoast_head":"\nAssurance invalidit\u00e9 \u2013 Quoi faire si on refuse ma demande? - Ottawa Personal Injury Lawyers Burn Tucker Lacha\u00eene<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/burntucker.com\/fr\/articles\/assurance-invalidite-quoi-faire-si-on-refuse-ma-demande\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance invalidit\u00e9 \u2013 Quoi faire si on refuse ma demande? - Ottawa Personal Injury Lawyers Burn Tucker Lacha\u00eene\" \/>\n<meta property=\"og:description\" content=\"Vous avez peut-\u00eatre une assurance de groupe \u00e0 travers votre employeur ou une assurance personnelle en cas d\u2019invalidit\u00e9. 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