Long Term Disability Claims

If your insurer has denied your claim, come see us. Insurance policies are complicated and can be hard to understand. And insurance companies often deny claims saying confusing things like:

– There is not enough “objective” evidence;
– The matter is a workplace issue or administrative issue and not covered by the insurance plan; or
– You are not under proper medical care. 

We know how to fight for you when insurers say these things!

You can launch an internal appeal or sue your insurer. We can help with both. There are limitation periods (aka deadlines) for starting a lawsuit, so don’t wait too long to come see us.

In order to qualify for benefits, you must meet the definition of total disability in your contract of insurance. This usually means that you are unable to perform the essential duties of your ‘own occupation’. When the ‘own occupation’ period is over, you are typically considered totally disabled if you cannot work in ‘any occupation’ consistent with your education and training.

In most policies, the own occupation period lasts for 2 years.

‘Own occupation’ is the job you held at the time your disability occurred.

‘Any occupation’ is any occupation for which you are reasonably qualified, or could become qualified for by reason of education, training or experience.

Yes. In order to show that you are actively participating in your own recovery, you should continue to be under the regular care of an appropriate physician and receive appropriate treatment.

If the Canada Pension Plan (CPP) has denied your disability pension, come see us. We can help you prepare an internal appeal or represent you in front of the Social Security Tribunal. Don’t wait too long. The Canada Pension Plan process has tight deadlines.

We can help you. Firing someone who is seeking LTD can be a breach of Human Rights Legislation.