As part of your employment benefits package, you may be entitled to both short-term and long-term disability insurance. Many employers have group insurance policies with providers such as Manulife, Sun Life, Great-West Life, and Desjardins. These policies are designed to protect employees by offering short-term disability (STD) and long-term disability (LTD) benefits, providing crucial income replacement if you are unable to work due to illness or personal injury.

Unfortunately, legitimate disability claims are often denied by insurance companies. Common reasons include "insufficient medical information" and a "lack of objective medical evidence." Other denial reasons may involve policy exclusions for pre-existing disabilities or conditions related to drug or alcohol abuse.

An insurance provider might also deny your claim based on surveillance, or by using prejudicial information from your employer or medical providers. Technicalities in the insurance policy, such as insufficient hours worked or incomplete paperwork, can also result in your denial.

If you’re facing a denied insurance claim, consulting an insurance claim lawyer can provide guidance on your legal options. In Toronto and throughout Ontario, our law firm supports individuals who have had their short or long-term disability benefits denied. Let us handle the fight for your benefits so you can focus on recovery.

Even when long-term disability claims are initially approved, you may have your benefits prematurely terminated. Insurance companies can often unfairly harass you to undergo a rehabilitation program or commence a graduated return to work program despite clear evidence of total disability. Many claims are also terminated at the change of definition mark (typically after benefits have been paid for two years) on the grounds that you can work in other types of occupations.

For those experiencing unjust termination of long-term disability benefits, experienced long-term disability lawyers serving Toronto and its surrounding communities can help you understand your rights and options under your insurance policy.

If your disability claim is denied or your benefits are terminated for any reason, you may have strong legal grounds to challenge the disability insurance company in court.

Disability claims lawyers can initiate legal action against the insurance company to fight for the continuation of your disability benefits. In cases where insurers act in bad faith, you may also be eligible for additional damages.

When you seek legal advice from an experienced insurance claim lawyer serving Toronto, you can start the process of holding your insurance company accountable. You have the power to fight back.