We understand that things have not been easy for you over the last little while. Your health has been suffering, you are unable to work, and now your insurance company, who was supposed to be there in your time of need, has decided they will not pay your disability benefits. These benefits exist to provide you with the financial support you need so that you can focus on your health and rebuilding your life. It is unfortunate that your insurance company has not lived up to its promise. If your claim has been denied, we will fight to get you the benefits you are entitled to. Our disability lawyers have helped thousands of Canadians get their long term disability benefits, and we can help you too.
How we can support you
After receiving a denial, you might not know where to turn next. You may feel hopeless in this moment, but rest assured you are not alone. When you call Share Lawyers, you will speak with someone who knows what you are going through and can offer you the best possible advice at no cost to you.
Why you should contact us:
- It’s free to talk to us
- There are no fees unless you win your case
- We specialize in disability claims and can go through your options
- Make arrangements for a free consultation with one of our disability lawyers to see how we can help you get your disability benefits
- Be there to answer all of your questions and make the insurance company listen
We’re in your corner
Share Lawyers has been in business for over 35 years and has settled thousands of cases for clients who have been denied their long term disability benefits. We don’t just dabble - we specialize in disability law and are one of the first law firms in Canada to focus specifically on disability law. By getting us involved, you are getting a team of experienced disability lawyers that will not only deal with your insurance company and fight for your benefits, but also provide you with the environment you need to focus on your health.
When your insurance company has wrongfully denied your claim, we can reach a fair settlement of your claim by working together.
Why you should fight your denial
After receiving a denial, you may feel like giving up – like your only option is to go back to work. The fact is, you paid into benefits with every paycheque so that if you became sick you would be protected. If you give up now, you are giving up money you are entitled to and that can help you during this time. The insurance company wants you to give up – they are not looking out for your wellbeing. Don’t let them win. With Share Lawyers in your corner, you can get your disability benefits without having to deal with your insurance company further.
Should you appeal the denial?
Your insurance company will instruct you that you can appeal their decision and may give you three opportunities to do so. This is an automatic response to make it look like they care, but really, they just want you to give up. It is important to understand that just because they suggest appealing, it doesn’t mean it is the best option for you. Appealing is difficult to do successfully. The same people who declined your claim are the ones deciding whether to reverse their initial decision and their mindset is already set to decline it further. For your claim to have any chance of success, you will need to submit brand new medical information from your doctors that is significantly different from what you have already provided. If the information is too similar, you will most likely be declined further. On average, it takes 30-90 days to hear back with a decision on an appeal. If you are appealing because you think it will be quicker, you are wasting precious time that can be used towards getting your disability benefits. If you are unsure if you should appeal their decision or not, it would be best to contact our team of long term disability lawyers.
Returning to work when you’re not ready
You are being put in a tough position. You are unable to work but your claim’s denial means that you don’t have money coming in to support you and your family. Your insurance company is pushing you to go back to work, but you know that it’s not the right decision long term - you might not be able to sustain working. Disability benefits exist to let you focus on your health so when you are able to return to work, you can do so without the concern of having to go off again. If you go back to work and you are not performing, or if you take on a new job and are not meeting their expectations, you run the risk of being fired or terminated from your job. This could leave you without a job and without disability benefits. If you’re feeling the pressure to return to work, think about what will be best for you in the long term. Don’t take one step forward and two steps back.
Denied at change of definition
You’ve been receiving your long term disability benefits, but at around the two year mark, your insurance company is telling you that you are capable of doing another type of job. They are using the change of definition as their reason to cut off your disability benefits. Can they do this? They can, but you don’t have to accept the decision. Your case manager may be simplifying the new definition of what it means to be disabled and if you are unable to work, your insurance company should continue to support your long term disability claim. We have many clients that are denied at the change of definition and we are very successful in fighting this unjust denial.
Disability Lawyers in Toronto, proudly serving clients in Ontario and across Canada
Are you looking for a disability lawyer to fight for your rights? Our law firm have unmatched experience in disability law and we don't let provincial borders stop us from helping you in your time of need. Your insurance company has a presence throughout Canada and it makes sense to hire a disability law firm that has a true expertise in disability law and has a national presence too. Your insurance company knows who we are and knows that we won’t back down.
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