Many Canadians with legitimate disability claims choose not to appeal or take any further action once their claim has been denied by their insurance company. This choice is often made due to the complex nature of fighting for a disability claim - the process involves a lot of paperwork and legal wrangling. Going up against a large insurance company makes many feel like they’re at a disadvantage and, for people who don’t know the law, the fight just doesn’t seem like it will be worth the effort.
Regardless of these concerns, filing a lawsuit in a long-term disability dispute is certainly worth the fight - a fight that can be won.
Legal representation is key. At Share Lawyers your initial consult is free, and if they accept your case, there’s no upfront payment and no fees unless (and until) they reach a settlement with the insurance company.
Unlike a personal injury claim, long-term disability claims are, essentially, contract disputes with clear language about what should happen if an employee is no longer able to do their job. This means there are strict rules about the process itself. Most contracts will specify that a claim must be filed within a certain time frame after you become disabled, and the clock is always running.
This is why anyone who has had a disability claim denied should speak to a lawyer as soon as they can - if only to give you a better understanding of what’s written in their contract. An experienced lawyer will be able to tell whether or not they meet the criteria laid out in their contract.
If your long-term disability claim been denied, take our quiz today to find out if you have a disability case. We have recently settled cases against Great-West Life, Desjardins, Manulife, RBC Insurance, Sun Life, and many more. We offer free consultations and there are no fees unless we win your case.