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Experienced Disability Lawyers to Address Denied Disability Claims

Insurers deny claims for various reasons, many of which we have successfully challenged for our clients. It is important to consult a lawyer to determine if you should appeal the denial or start a lawsuit to compel the insurer to pay your disability benefits. Burn Tucker Lachaîne acts for clients throughout the Waterloo region and across Ontario, successfully handling LTD issues.

Your financial security is too important to leave to chance – reach out for an experienced LTD lawyer who is respected for their knowledge of disability law.

  • Advice on the LTD application, improving our clients chances of approval by ensuring that the medical evidence is sufficient to prove disability
  • Appealing long term disability claim denials and benefit terminations
  • Addressing disputes related to benefit amounts
  • Disputing denials of disability coverage due to pre-existing condition exclusion clauses
  • Obtaining medical evidence proving the disability is severe and requiring the insurer to pay the money our clients are owed
  • Advice on the LTD application, improving our clients chances of approval by ensuring that the medical evidence is sufficient to prove disability
  • Appealing long term disability claim denials and benefit terminations
  • Addressing disputes related to benefit amounts
  • Disputing denials of disability coverage due to pre-existing condition exclusion clauses
  • Obtaining medical evidence proving the disability is severe and requiring the insurer to pay the money our clients are owed

Our Services

We specialize in disability law, offering compassionate support and guidance for each client to achieve the best possible outcomes. If you’ve been denied or your claim is delayed, our lawyers are here to work with you towards a favourable resolution.

Loan Insurance Disability Claims

If an illness or injury leaves you unable to work, loan insurance can ease your financial burden. Should your claim be denied, we are here to fight for the benefits you deserve.

Critical Illness Insurance Claims

A critical illness diagnosis is tough enough without having to deal with a denied claim. Our team will advocate for your rights, ensuring you get the support you're entitled to.

Life Insurance Claims

Grieving the loss of a loved one is challenging, and a denied life insurance claim only adds to the pain. Let us help you navigate the process and secure the financial support your family needs.

Travel Medical Insurance Claims

Medical emergencies while travelling can result in high expenses. If your travel medical claim is denied, we’ll work to recover your costs and ensure you're covered.

Group Disability Insurance Claims

Group disability insurance is meant to support you when you can’t work. If your claim has been denied, we’ll ensure you receive the benefits you’re entitled to without delay.

Why You Need a Waterloo Disability Lawyer

If your claim for short term disability benefits is denied, we can help you to appeal that denial and advise you about how, when and where to apply for long term disability benefits. We will help you to determine the type of disability insurance you have and guide you through the application process so that you meet the insurance company’s deadlines and application requirements.

We have represented teachers and education employees with OTIP and other disability insurance coverage. We can assist you in understanding the HOODIP application if you are a hospital employee. Our lawyers have represented and obtained settlements for members of the Canadian Armed Forces who are covered under the SISIP policy.

Our clients’ medical conditions include chronic pain, musculoskeletal disorders, neurological disorders, injuries caused by serious accidents, cancer, side effects of treatment, autoimmune disorders, and mental health disorders.

Understanding the Long Term Disability Claim Process

Many clients have long term disability coverage in group insurance policies through employment. Self-employed individuals often purchase disability income coverage directly from the insurance company. Professionals such as dentists, accountants, doctors, veterinarians and physiotherapists may purchase private insurance through a professional association. Our disability lawyers have a thorough understanding of these contracts and have achieved settlements for clients from all major Canadian insurance companies.

Further, working Canadians who meet the Canada Pension Plan (CPP) eligibility requirements may qualify for disability income if they are totally disabled and have their doctor’s support.

 

Functional Impairment

Functional impairment has to do with your ability to continue performing essential tasks in relation to your job and your everyday life. The more significant the functional impairment you experience, the more likely you are to qualify for LTD benefits.

Severity of the Condition

The severity of your condition will play a primary role in the strength of your claim. Our disability lawyers know what evidence is required to prove how severe your symptoms are and how they impact your ability to function throughout each day at home and in the workplace.

Policy Terms

The policy sets out the definition of disability, application requirements and the rules which are applicable to disability claims. Our long term disability insurance lawyers can help you understand the contract terms and the insurance company’s communications whether you have been denied benefits or are fighting with the company while on a paid disability claim.

Why Choose Our Waterloo Long Term Disability Lawyers

The experienced long term disability benefit lawyers at Burn Tucker Lachaîne in Waterloo are committed to fiercely advocating for a settlement or, if necessary, proceeding to trial in order to get the insurance company to pay you so that you can continue providing for your family. We are on your side and here to help, so please don’t wait to contact or call us at 519-340-0816 to schedule a free consultation and learn more today.

 

 

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What Our Clients Say

I couldn't be more pleased with the way my case was handled. Eliane was extremely supportive and worked diligently on my case. Her knowledge and guidance led to a pleasing outcome. Thank you to Eliane, her secretary's, reception and anyone else involved in my case. I wish you all the best in the future. Your an exceptional team. I highly recommend Eliane Lachaine.
5 stars
Helen Schutt
My personal experience in dealing with Alison at the firm was outstanding. She was always available to answer any questions or concerns I had in dealing with the insurance company. Alison was always upfront and honest with me about the results we were able to obtain. She worked hard for me and was very aggressive and no nonsense during our mediation meeting. My Ltd carrier made an strong effort to minimize the benifits I was entitled to, but Alison was having none of that. She got the results we were hoping for. I can't thank Alison enough for the help, and respect she gave me throughout the whole process.
5 stars
Lyle Fisher
My interaction with this law firm has been positive from right from the beginning exploratory conversations, which were handled with sensitivity and clarity, to the end result, which I felt was very fair. I was fully informed about possible outcomes as the process unfolded, so there were no surprises. I highly recommend the law firm of Burn Tucker Lachaine.
5 stars
Debby Clarke
I would highly recommend this firm. My lawyer’s composure, knowledge, work ethic and most of all excellent representation put me at ease during this stressful time. My most sincere thanks for a positive outcome. Thank you Alison!
5 stars
Karen T
My experience with being represented by Alison Gilmour was extremely positive. She took the time to know me as a person Alison carefully presented options and enthusiastically supported my decisions.
5 stars
Laurel Mollison
Alison and her team made this process extremely stress free and would highly recommend them to anyone who needs a disability lawyer. She took care of all the works so I could focus on my health.
5 stars
Kaitlynn Friesen
Forever grateful for the exceptional help, care and knowledge from the team at Burn Tucker Lachaine. Highly recommend to contact for any personal injury journey.
5 stars
Kayla P
Had a great experience with the team at Burn Tucker Lachaîne everyone is very pleasant and thoughtful, Colleen great work, definitely will recommend to family and friends.
5 stars
Lindamir Schuchardt
This team of professionals were able to assist me and I would highly recommend them.
5 stars
Lori Toffolo

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