Long term disability claims are typically initiated with a denial from an insurer.
For many reasons a insurance company may deny your disability benefit for income loss and thereby trigger a number of options;
- accept a claim against the insurer
- appeal a claim against the insurer
- initiate a claim against the insurer
The most notable insurers are: Great West Life, Canada Life, Standard Life, RBC insurance, TD insurance, Empire Life, Scotia Bank, Aca Insurance.