Disability Insurance Claims

While you may have disability insurance coverage through a group policy with your employer or your own private disability policy, after an illness, accident or injury the disability insurer may refuse to pay any benefits or acknowledge the full extent of the coverage for which you have paid premiums towards. Disability insurance contracts can be complex legal documents that require an experienced lawyer’s assistance in interpreting and to assist you in building a successful case against a disability insurer when you are disabled from returning to work.  Often, these cases require not only legal interpretation of your policy, but medical interpretation of the documents from your medical providers.

Jason Harvey and his team offer free initial consultations and have represented clients regarding disability insurance claims in a variety of circumstances:

 

  • Short term disability or weekly indemnity payments
  • Long term disability related to your own occupation
  • Long term disability related to any occupation
  • Canada Pension Plan (CPP) disability

Aside from requiring additional medical information or claiming that the medical information does not support your disability, sometimes disability insurers rely upon more technical legal principles, contained in your policy, to deny coverage.  We have dealt with most of these types of denials, including:

 

  • Pre-existing conditions
  • Coverage was not in place
  • Coverage was terminated prior to disability
  • Not being in the care of a duly qualified physician
  • Failing to abide by the recommendations of a treatment provider
  • The reasonability of finding another occupation
  • Denials based upon Independent Medical Examinations or Reviews, Transferable skills Analysis or Functional Capacity Evaluations

When disability and an inability to work enters your life, it is a stressful and uncertain period for you and your family.  You may feel like the insurance company is holding all the cards.  We can help.  We have resolved many files, with virtually all of the major insurance providers across Canada, including:

 

  • Blue Cross
  • Great West Life Assurance Company
  • Sun Life
  • Manulife
  • Desjardins
  • SSQ
  • RBC
  • Industrial Alliance
  • Health Employees Benefit Plan (HEBP)
  • Province of Manitoba
  • Fenchurch