# Is there a cost to obtain a copy of your claim file? **URL:** \ **Category:** Disability Insurance\ **Created:** [March 16, 2023, 8:56pm UTC](https://forum.resolutelegal.ca/t/is-there-a-cost-to-obtain-a-copy-of-your-claim-file/3995 "2023-03-16T20:56:22Z")\ **Posts on this page:** 11\ **Page:** 1
**Author:** ![sunrise](https://avatars.discourse-cdn.com/v4/letter/s/9fc29f/32.png) [@sunrise](https://forum.resolutelegal.ca/u/sunrise)\ **Post date:** [March 16, 2023, 8:56pm UTC](https://forum.resolutelegal.ca/t/is-there-a-cost-to-obtain-a-copy-of-your-claim-file/3995/1 "2023-03-16T20:56:22Z")
Do insurance companies normally charge a fee if you request a full and complete copy of your own claim file for LTD? I saw David mentioning a fee of $50-75 in an older post but no-one else seems to have mentioned a fee so just wondering what everyone’s experience is. Thanks ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [March 17, 2023, 2:09am UTC](https://forum.resolutelegal.ca/t/is-there-a-cost-to-obtain-a-copy-of-your-claim-file/3995/2 "2023-03-17T02:09:49Z")
I think they are allowed to charge a reasonable fee. ---
**Author:** ![NILI](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/nili/32/243_2.png) [@NILI](https://forum.resolutelegal.ca/u/NILI)\ **Post date:** [March 17, 2023, 2:22am UTC](https://forum.resolutelegal.ca/t/is-there-a-cost-to-obtain-a-copy-of-your-claim-file/3995/3 "2023-03-17T02:22:14Z")
I’ve sent you a redacted version of the letter I sent (below) back in 2020. I didn’t have to pay for anything. Hope it helps. I apologize for the messiness. ![redacted claim file request_230316_221614](https://us1.discourse-cdn.com/flex019/uploads/resolutelegal/original/1X/7867df9fd6c4a209a521205260fb694e9f3a6ee7.jpeg) ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [March 17, 2023, 7:10pm UTC](https://forum.resolutelegal.ca/t/is-there-a-cost-to-obtain-a-copy-of-your-claim-file/3995/4 "2023-03-17T19:10:35Z")
Thanks NILI, that’s great. ---
**Author:** ![sunrise](https://avatars.discourse-cdn.com/v4/letter/s/9fc29f/32.png) [@sunrise](https://forum.resolutelegal.ca/u/sunrise)\ **Post date:** [March 17, 2023, 10:10pm UTC](https://forum.resolutelegal.ca/t/is-there-a-cost-to-obtain-a-copy-of-your-claim-file/3995/5 "2023-03-17T22:10:27Z")
Thanks NILI. That’s super helpful. Did you mail it to the Privacy Officer by registered post? I have an online secure link I’m required to use to send in any documents but not sure who is notified when I submit a document. I usually also email my case manager and tell her I have submitted a document via the secure link. ---
**Author:** ![sunrise](https://avatars.discourse-cdn.com/v4/letter/s/9fc29f/32.png) [@sunrise](https://forum.resolutelegal.ca/u/sunrise)\ **Post date:** [March 17, 2023, 10:18pm UTC](https://forum.resolutelegal.ca/t/is-there-a-cost-to-obtain-a-copy-of-your-claim-file/3995/6 "2023-03-17T22:18:21Z")
The fee David mentioned is probably “reasonable” but would make me cautious as to the timing of requesting my full file. I may just hold off for a while and request it when things start getting sketchy. ---
**Author:** ![NILI](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/nili/32/243_2.png) [@NILI](https://forum.resolutelegal.ca/u/NILI)\ **Post date:** [March 17, 2023, 11:06pm UTC](https://forum.resolutelegal.ca/t/is-there-a-cost-to-obtain-a-copy-of-your-claim-file/3995/7 "2023-03-17T23:06:39Z")
My pleasure! Hope it helps. ---
**Author:** ![NILI](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/nili/32/243_2.png) [@NILI](https://forum.resolutelegal.ca/u/NILI)\ **Post date:** [March 17, 2023, 11:11pm UTC](https://forum.resolutelegal.ca/t/is-there-a-cost-to-obtain-a-copy-of-your-claim-file/3995/8 "2023-03-17T23:11:19Z")
My pleasure. Yes, I mailed it to the privacy officer at my LTD’s address. I sent it by regular mail. I made sure that I kept a copy for myself. Please note that I sent the request for my file AFTER my LTD claim was approved. It’s up to you how you want to proceed. ---
**Author:** ![sunrise](https://avatars.discourse-cdn.com/v4/letter/s/9fc29f/32.png) [@sunrise](https://forum.resolutelegal.ca/u/sunrise)\ **Post date:** [March 18, 2023, 1:49am UTC](https://forum.resolutelegal.ca/t/is-there-a-cost-to-obtain-a-copy-of-your-claim-file/3995/9 "2023-03-18T01:49:00Z")
Gotcha. Thanks. I’m still early into my LTD but think it would be good to get a copy of my file, especially if they’ll do it at no charge! ---
**Author:** ![NILI](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/nili/32/243_2.png) [@NILI](https://forum.resolutelegal.ca/u/NILI)\ **Post date:** [March 18, 2023, 4:09am UTC](https://forum.resolutelegal.ca/t/is-there-a-cost-to-obtain-a-copy-of-your-claim-file/3995/10 "2023-03-18T04:09:42Z")
Hopefully, your LTD privider doesn’t charge. If they send you a receipt, you could contact them and complain that you were never made aware that there’d be a charge for your request, and that you would appreciate it if they’d kindly waive the fee considering the difficult times we all live in. ---
**Author:** ![sunrise](https://avatars.discourse-cdn.com/v4/letter/s/9fc29f/32.png) [@sunrise](https://forum.resolutelegal.ca/u/sunrise)\ **Post date:** [March 20, 2023, 2:17am UTC](https://forum.resolutelegal.ca/t/is-there-a-cost-to-obtain-a-copy-of-your-claim-file/3995/11 "2023-03-20T02:17:16Z")
Thanks NILI. Yes, I hope so too. If they do charge, I’ll be as polite as possible and request them to waive it. Being nice can go a long way 😊