The insurance company made a promise to support you.
Now it's time to make them keep it.
Denied benefits?
We may be able to help.
We’ll Handle the Heavy Lifting
When you signed up for your disability insurance policy, you expected a straightforward agreement: you pay, and they provide support if you become disabled.
Many of our clients are shocked when they receive their denial letters. The disbelief is palpable, and most assume that if the insurance company re-evaluated their case, insurance would reinstate the benefits.
Here’s the reality:
To successfully litigate a benefits denial, you must provide documentation that proves you should continue receiving benefits.
How do we achieve this?
- We work closely with your healthcare providers to obtain medical reports, treatment history, and medical opinions that clearly explain why your condition meets the insurer’s definition of disability.
- We bring in vocational experts, when needed, to explain why you cannot return to work, either in your current role or any other job that matches your skills and training.
- We analyze the fine print of your insurance policy to uncover how the insurer may be interpreting it unfairly or inconsistently.
- And more.
Ultimately, we build a case that can withstand scrutiny by a judge. While not every claim proceeds to trial, we prepare each file thoroughly, knowing that strong evidence often encourages the insurance company to settle before it reaches that stage.
This is precisely what we do for individuals who have been denied their long-term disability insurance benefits. While we cannot guarantee the outcome of your claim, we can assure you that we only get paid if and when you do. We will work tirelessly on your behalf to secure the best possible outcome.
What will this free initial consultation be like?
1. We will ask you a few questions.
We need to get a grasp on your insurance and your prior work situation. We’ll also need to know about your disabilities. The more we know, the more we’re able to give you legal insights into your situation
2. We will tell you if we think you should be able to get paid.
There are some instances where it would make moral sense to pay a claim, but the contractual language and your situation may not allow for that. This is the unfortunate reality of insurance. If we think you have a good shot at turning around your denial or discontinuation, we’ll tell you.
3. You then choose if you want to fight it on your own or give us that task.
You are free to take our insights and go pursue this on your own. If you decide to give us the challenge, we’ll take over the process.
4. If you choose to hire us, we’ll need you to sign a contract so we can manage your claim. We only get paid if we either get your benefits reinstated or get your claim settled.
Dealing with the insurance company becomes our job. If we are able to get your benefits paid out to you, we will then be paid a piece of that. You will never pay us if you are not getting paid.
This is your claim.
The initial phone call is to get on the same page and inform you of your options. Unfortunately, some people who call, despite deserving to have those benefits paid, may not have a circumstance that allows us to force the insurance to pay. We are bound by the constraints of the law. Please know if we cannot help you, it is not you. We see you. We value you. We believe you. And we will do everything we can to support you.
Making the “Invisible” Visible
We focus on helping people who are denied by insurance companies.
While we handle ALL types of LTD denials in non-unionized work settings, we gear our work toward those who have disabilities that aren’t proven with a simple MRI or CT scan or cancer biopsy.
Most of our clients are facing mental health challenges or daily pain. We know how hard these can make life. The insurance company does, too, but it’s easy to deny these claims because there isn’t the same “hard proof” that an x-ray of a broken leg can show.
Here are examples of challenges our clients face that insurance companies deny:
Mental
ADHD
Anxiety Disorders
Bi-Polar Disorder
Depression
Eating Disorders
Gender Dysphoria
Obsessive-Compulsive Disorder
Panic Attacks
PTSD
Schizophrenia
Daily Pain
Colitis
Crohn’s Disease
Chronic Pain
Complex Regional Pain Syndrome
Endometriosis
Fibromyalgia
Irritable Bowel Syndrome
Migraines
Others face chronic fatigue, multiple chemical sensitivity, vertigo, and more.
This is not meant to be an exhaustive list. Rather, this is to help you see that you are not alone. So many Canadians are denied despite having serious disabilities. A diagnosis from a therapist or psychiatrist is not enough. Insurance companies have denied our clients who face pain every single day.
You are not alone.
And if you want to appeal your denial, you don’t have to go down that road alone, either. If handling it yourself feels best for you, please do that. But there may be consequences to you that a lawyer cannot fix if you wait too long or say or do the wrong thing.
If you are anything like our clients and you just want the benefits but don’t have the capacity to do it yourself, we are here for you.
If you hire us, you won’t have to do much. We handle nearly every aspect of the dispute process. However, we may need some limited help from you, and when that happens, we’ll be by your side to support you.
If you can’t work due to your disabilities and were denied your LTD benefits, we are here to take the burden of pursuing the insurance company.
About Our Firm
Our law firm has been proudly representing Canadians with access to justice since 1959. We understand how challenging it can be for you and your loved ones when trying to get your life back together when disabilities are making it difficult or impossible to work.
Our lawyers and legal team work tirelessly to get you the compensation you deserve as well as handling everything we can for you. If and when there’s something we need you to do, we’ll be by your side every step of the way to support you.
With us, you’re never alone.
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Past results are not indicative of future results.
In no way does the information presented on this page constitute as legal advice nor are we implying that you are guaranteed compensation. In order to determine whether you qualify for compensation, you will need to speak to a lawyer about your case to obtain specific legal advice to your unique situation. A lawyer is only able to represent you once you have officially retained them for legal services and a retainer agreement has been signed. Nothing in this advertisement is intended to disparage the insurance industry. The statements made herein are based on the law firm’s experience.
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