Many employers include group disability insurance in their employee benefits packages. Their insurance companies offer a seemingly straightforward way to secure coverage for you and your family in case you are unable to work.

Over the years, you've trusted that if disability strikes, your insurance will provide replacement income when you lose your ability to work due to illness or injury.

Common reasons why group insurance disability claims are denied

Failure to meet the definition of disability
The insurer disagrees with your doctor’s medical opinion
You are not following the insurer’s preferred treatment plan
Policy Exclusions
Pre-existing conditions
Failure to follow claims procedures correctly
Insufficient medical evidence
The definition of disability has changed from “own occupation” to “any occupation”

Insurance provider coverage disputes

Coverage disputes may arise when your employer changes its group insurance provider at the time you become disabled or if you experience a recurrence of a recent disability.

If two insurers both assert that you are not entitled to coverage with them, it becomes necessary to determine who is at risk to proceed with your claim. We can deal with coverage disputes to ensure that your legitimate claim does not fall through the cracks.

Employer interference/mishandling of benefits

Employers are responsible for informing employees about their benefits package and ensuring they understand the enrolment deadlines. If you've been denied benefits due to missing a deadline you weren't aware of, you may have grounds to seek compensation from your employer.

Additionally, if your disability benefits aren't calculated based on your actual income because your employer provided incorrect income information to the insurer, you may be eligible to pursue damages through legal action against your employer.

Finally, if your employer refuses to help you understand the process of applying for benefits, we can help you to make sure that you don’t lose entitlement to your disability benefits by missing important deadlines to apply.

Know your rights and act promptly

It is crucial not to delay when it comes to understanding and asserting your rights. Keep in mind that there is a limited timeframe to appeal or contest an insurance claim denial. Act swiftly to protect your interests.

Let our Experienced Lawyers Help

Our disability lawyers are experts in challenging long-term disability denials and claim termination.

If you are facing issues due to your employer interfering with your benefits or coverage or changes in insurance providers, our lawyers can guide you through the process, ensuring your rights are protected.

We advocate on your behalf, helping you navigate appeals and seek the benefits you deserve.

Bilingual Disability Lawyers with the Right Expertise to Represent You anywhere in Canada

While our offices are in Toronto, Ottawa, Hawkesbury and Waterloo, we can be by your side and on your side across Canada, handling matters in the Atlantic and Western provinces as well as Northern Ontario. There is no need for you to travel. We come to you, or we handle your case virtually.
Contact us today at 613-233-6898

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