Privately purchased disability insurance policies are purchased by doctors, lawyers, dentists, other professionals, and self-employed business owners to provide income replacement in the event they are unable to continue working due to illness or injury.
Disability claims made under these policies tend to be scrutinized to the highest degree and may benefit from early intervention by legal representation. At Share Lawyers, our disability lawyers for professionals have the expertise and experience to assist you at various stages of the disability claim process.
How our professional disability insurance lawyers help you
Our disability insurance lawyers have helped professionals pursue their benefits under privately purchased policies in a number of ways. Whether you’re fighting a denial or just starting to apply, we can provide expert guidance.
Litigating disability claims
Speak to our disability lawyers if your insurance company isn't providing the financial support promised in your policy. We'll pursue legal action on your behalf, take on all communication with the insurance company, and allow you to focus on your health.
Own occupation denials
Privately purchased disability policies promise long term benefits if you can't work in your own profession. But, the fine print may reveal unclear details that could impact your coverage. We provide legal expertise to answer your questions and give you peace of mind.
Providing legal opinions
We offer support for your policy questions, claim submissions, and dealings with insurance companies and case managers. Contact us to arrange a consultation with our professional disability insurance lawyers. Our legal expertise can answer your questions.
The insurance company drafts the application form with vague questions that can easily be misunderstood or misinterpreted. Our 35+ years of experience dealing with disability claims will enhance your chances of having your initial claim approved.
Monthly claim handling
After approval, the insurance company continually assesses your eligibility for ongoing benefits, meaning they can be stopped anytime. Regular updates and doctors’ forms may be required. We can handle the ongoing claim, routing all requests and communication through our office.
Residual & partial disability benefits
If you are able to work in a reduced capacity but have lost income exceeding 15-20% of your pre-disability earnings, you may be eligible for residual or partial disability benefits. Residual disability benefits include a specific percentage of earnings, and partial benefits are based on a percentage of your lost income.
If there are offsets in your claim, the insurance company may deduct benefits from CPP or severance and may limit monthly benefits if you earn income elsewhere. With our help, you can navigate these reductions fairly.
Lump sum buyouts
After long term disability payments begin, the insurance company may want to "buy out" your policy with a lump-sum payment. Factors determining this value include your life expectancy, the likelihood of remaining disabled, the insurance company's reserve for your policy, and the present value of future monthly benefits.
Affordable and flexible legal fees
We offer different options for legal fees depending on the nature of your case. We may offer either an hourly rate, a contingency fee, a flat rate, or in some cases, a combination. We invite you to discuss what sort of fee arrangement is most suitable for you.
Litigating privately purchased disability benefit denials
If your long term disability benefits claim has been denied by your insurance company, our disability lawyers for professionals can take legal action against them to recover the disability benefits to which you are entitled. We offer a free consultation to help you understand your options.
When it comes to professional disability insurance, some additional issues may require the expertise and experience of a disability lawyer to ensure that you recover your maximum eligibility.
How much time do I have?
There are time limits to all disability claims and any delay in proceeding may be subject to a deadline so you should not delay in proceeding with your disability claim or obtaining legal advice to clarify these deadlines. We understand how important these timelines are and will respond to any call or email as soon as we can.
Nationwide disability lawyers
Your insurance company has a presence throughout Canada, so it makes sense to hire a disability law firm with a national presence, too. We proudly serve clients in:
Whatever your career, our disability lawyers are here to help
There is a lot of pressure being put on you to return to work even if you are not ready to. You know you can’t go back and do your job properly and if you were to go back to work, it would negatively impact your health. You should be thinking about what is best for your future. Having dealt with thousands of disability cases and hundreds of careers, our disability law firm knows how unique your job can be and that you should not rush into anything. If you cannot work, don’t let your insurance company tell you differently. If they will not support you, we can help. Our employment lawyers can also support you with any employment law or employment rights issues related to your disability case.
Common types of disability cases
Injuries and illnesses may prevent an individual from being able to work, either temporarily or permanently. Such conditions can also result in long term disabilities. Here are some typical examples of disability claims that we often come across:
When individuals take disability leave, they may face mental health challenges such as depression, anxiety, PTSD, or extreme stress. These conditions can impede their ability to return to work. Although mental health claims can qualify for disability benefits, insurance providers might attempt to reject such claims.
Chronic pain resulting from an acute injury can affect daily activities and work. While insurance companies may approve disability claims for an acute injury, they may reject continued claims for chronic pain.
If COVID-19 or Long COVID symptoms prevent you from working, you might be eligible for disability benefits. However, insurance companies may deny your claim if they find insufficient medical evidence, failure to meet the disability definition, or pre-existing conditions.
Back injuries are one of the leading causes of disability claims as numerous injuries and conditions affect back health. Despite this, insurance companies frequently reject claims associated with back pain.
Migraines can hinder an individual's work and daily functioning. Regrettably, insurance companies frequently reject claims associated with migraines for reasons including lack of adequate medical evidence, failure to meet the disability definition, or suspicion of fraud or misrepresentation.
Arlene contacted us as soon as her insurance company denied her benefits - she knew she could not fight back on her own. Once we took over communication with her insurance company, Arlene had the time to attend her medical appointments. Once we were able to favourably settle her long term disability claim, Arlene didn’t have to worry about paying her bills. She described her experience with hiring Share Lawyers as “taking away her stress and letting her focus on her health.”
Let Share Lawyers fight for your disability benefits
We are highly experienced disability lawyers for professionals who have helped clients pursue their benefits under privately purchased policies. Whether you're initiating a claim and have concerns or have been denied benefits, we're here to assist you at any stage of the process. Our team of disability lawyers for professionals are well-equipped to secure the outcome you deserve and the benefits you're entitled to. Contact us for more information.