Long-term and short-term disability insurance is generally available either through an employer's benefit plan or directly through private purchase. By buying the insurance and paying the premiums, employees and private purchasers are owed disability benefits in the event of an injury or disability that prevents them from working. Unfortunately, insurers do not always hold up their end of the contracts and deny claims based on allegations such as:
- Applicants are not disabled
- Applicants are not sufficiently disabled to entitle them to benefits
- Applicants made misrepresentations regarding their medical conditions on their insurance application
Disputes can arise from situations involving the nature and level of chronic pain, the effects of psychological trauma and a range of other issues. If you believe your short-term disability benefits, long-term disability benefits or critical illness benefits were wrongfully denied in Ontario, you need a lawyer who can defend your rights.
Toronto Law Firm Handling Denied Disability Insurance Claims
At the law firm of Howie Sacks & Henry LLP, our team of lawyers has many disability and critical illness insurance disputes. If your claim has been denied, we can evaluate whether the insurance company's decision was appropriate and, if not, we will ensure that your condition is fully evaluated by a medical practitioner to present the best possible disability claim on your behalf.
We believe that disabled workers deserve to have the benefit of the insurance for which they have paid thousands of dollars in premiums. To schedule a no-charge consultation regarding a denial of your disability insurance, contact our disability denial team at 416-361-5990 or 877-695-9440.