Do You Have a Disability Case?
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What Types of Disability Claims Does My Insurance Company Typically Deny?

Claimants often ask us whether their insurance company has a reputation for denying claims. As they wait for a response from their insurer regarding their long-term disability, they are reminded of stories from their family, friends and the media, of the underhanded tactics used by insurance companies to delay or deny legitimate claims for benefits. This can, rightfully, cause feelings of anxiety and fear while they wait for the insurer’s decision. The truth is that no matter which insurance company you’re with–Manulife, Sunlife, RBC, Great West Life,...
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I’m Part of a Union. Why Won’t Any Lawyers Help Me with My Deni...

Our firm often receives calls from unionized employees who are looking for legal representation to help them fight their group insurance for denying their long-term disability claims. These individuals, unable to perform the duties of their job due to illness or injury, have first sought assistance from their union only to find that their pleas for help are falling on deaf ears. That’s when they start talking to lawyers, and that’s usually when the lawyers tell them that there’s nothing they can do to help. It’s tough not to feel angry and...
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Can I Apply for Long-Term Disability if My Short-Term Disability Was Denied...

The answer is, yes. Many claimants are surprised to find that even if their short-term disability (STD) claim has been denied, they are still permitted to make an application for long-term disability (LTD) benefits. STD benefits provide income replacement coverage during an extended time away from work due to injury or illness.¬†Usually this insurance is provided to the employee by their employer and the employer’s insurance carrier, and the employee may pay monthly premiums for this coverage. Insurance companies offer STD for different lengths of time, typically a...