Has Your Disability Claim Been Denied? A Disability Claim Lawyer in Toronto Can Help

Has Your Disability Claim Been Denied? A Disability Claim Lawyer in Toronto Can Help

Disability insurance is a form of income replacement. It protects your income if you have the misfortune of becoming too injured or ill to work. Disability insurance policy holders assume that the insurance company will accept and pay valid claims for disability insurance benefits. Unfortunately, this is often not the case. A significant number of disability claims are denied when they should not be. If your disability claim has been denied, a disability claim lawyer in Toronto can hold disability insurance companies accountable when they deny legitimate claims.
Employers may provide disability insurance as a benefit, or people can purchase disability insurance themselves.

Short Term Disability (STD)

STD disability insurance covers a short period of time, usually between 4 months to 1 year. You are paid a disability benefit if you become disabled and are not able to work at your job. STD benefits are often payable by an employer instead of an insurance company. However, the insurance company is often hired to adjudicate the claim and advise the employer whether the benefit should be payable.

Long Term Disability (LTD)

LTD benefits are intended for longer periods of time and give employees peace of mind that they will have income replacement if they become disabled and are unable to work. Plans vary in terms of how much of your income is replaced, how long you need to be off work to qualify and what kinds of health conditions are covered. Most LTD policies have an "own-occupation” period and an "any-occupation” period. Most plans will cover you for two years if you are unable to work your own job and then only continue coverage if you are unable to do any job. It is important to understand what is and is not covered by your LTD policy.

Individual Disability Policies


Individual disability policies are purchased privately by individuals who want protection should they suffer a disability. These policies often pay a monthly benefit and commonly extend to the age of 65 if the individual remains disabled. The policy could include a critical illness benefit that pays if you suffer some type of serious illness.


Unfortunately, insurers do not always hold up their end of the contracts and deny claims based on allegations such as:


  • Failure to meet the current definition of disability
  • Committing fraud or misrepresentation while filling out the insurance application
  • Insufficient information provided
  • Clerical or procedural errors: if all documentation required to make a claim is not sent to the insurance company in a timely manner
  • Treatment and assessment compliance: You must comply with treatment and medical care for your condition
  • Contradictory surveillance of evidence of whether or not you are fit to work
  • Contradictory online evidence through social media and networking sites
If you need to file a disability claim or you have questions about an existing disability claim or dispute, you will need the help of a disability claim lawyer in Toronto. A disability claim lawyer will advocate for your best interests. When you are facing barriers in continuing with your employment, a disability claim lawyer will be on your side the entire time, fighting for your rights.