When life takes an unexpected turn and you’re left unable to work due to injury or illness, disability and insurance benefits are meant to provide the financial security you need.
Unfortunately, disputes with insurance companies often arise, leaving individuals without the critical support they rely on. At Perley-Robertson, Hill & McDougall LLP/s.r.l, our experienced team of disability and insurance benefit dispute lawyers in Ottawa is here to advocate for your rights and help you secure the benefits you deserve.
Long Term Disability Benefits
Long-term disability benefits exist to replace your income when an injury or disability prevents you from working. For many, they rely on them as their only source of money during a time when they are ill.
However, insurance companies frequently deny claims, even when clear evidence supports your case.
Common reasons for denial include:
• Alleged failure to disclose a pre-existing condition.
• Claims that you do not meet the policy’s definition of “totally disabled.”
• Medical evidence deemed insufficient to support your claim.
It is also very common for insurance companies to terminate benefits that are being paid at the two year mark, as many policies state that benefits only continue after two years if you are unable to do any job you are suited to by education and skill, as opposed to doing your particular job.
If your claim is denied unfairly, you don’t have to navigate the process alone. Our Ottawa long-term disability lawyers work tirelessly to resolve disputes, starting with negotiations to avoid litigation. If necessary, we’ll pursue a “bad faith” claim against your insurer for reinstatement of benefits, back payments, and, in certain cases, punitive or aggravated damages. A refusal to pay benefits, without reasonable cause, is a breach of this good faith and you can commence an action against the insurer for reinstatement of benefits, back payment of benefits owing, and in certain situations, for punitive and/or aggravated damages. Insurers have a contractual duty to act in good faith, and we’re here to hold them accountable.
Statutory Accident Benefits
If you’ve been injured in a motor vehicle accident, you are entitled to statutory accident benefits under your auto insurance policy, regardless of who is at fault. These benefits may cover medical expenses, rehabilitation, income replacement, and other essential costs.
If your accident benefits are denied or reduced, our personal injury lawyers in Ottawa can guide you through the dispute process. We have extensive experience advocating for clients to help them receive the full range of benefits they’re entitled to under the law.
Learn more about Motor Vehicle Accidents >
Our Disability & Insurance Benefit Dispute Lawyers in Ottawa are Here to Help
Experienced
With decades of expertise in disability and insurance law, our team has successfully handled countless disputes. We know the ins and outs of insurance policies and how to effectively challenge denials to get results for our clients.
Thorough
We leave no stone unturned in building your case. From reviewing your policy to gathering medical evidence and negotiating with insurers, our thorough approach ensures every aspect of your claim is addressed.
Supportive
We understand how stressful and overwhelming insurance disputes can be. Our team is here to guide you through every step with clear communication, empathetic support, and unwavering dedication to your needs.
Frequently Asked Questions
What should I do if my long-term disability benefits are denied?
Start by reviewing the denial letter to understand the insurer’s reasoning. Gather all supporting documents, including medical evidence and reach out to a disability lawyer in Ottawa to explore your options.
Can I still receive benefits if I return to work part-time?
Depending on your policy, some insurers allow partial benefits while you transition back to work. Our lawyers can help clarify your eligibility.
How long do I have to dispute a denial?
The time frame varies based on your policy and jurisdiction. It’s crucial to act quickly to meet any deadlines for appeals or legal action.
What are “bad faith” claims?
A bad faith claim arises when an insurer unreasonably denies or delays benefits, breaching their contractual duty to act in good faith. These claims may include compensation for damages beyond the denied benefits.
