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.
Impact Law LLP assists clients with pursuing and presenting claims before the Ontario Superior Court of Justice for damages pertaining to income loss and the income replacement benefit associated with your insurance policy.
The date of denial of your claim for disability is very important, because that date typically marks the beginning of your limitation date or the date that you can commence your claim.
From this point, you have two years to commence your action for benefits.
If you do not file within the two years of the denial date (limitation date), you may face legal challenges in order to commence your action, including but not limited to a summary judgment motion, or a limitation period defence.
It is important to consult with a lawyer as soon as possible after receiving your denial of long term disability benefits.
Impact Law provides free consultations to all clients with Long Term Disability denials.
Our consultation with the client is needed in order to determine the merit and extent of your claim.
In order to pursue a Long Term Disability claim you must have support of a medical practitioner.
The best type of support will come from your family doctor, or treating specialist including but not limited to your;
- Orthopaedic surgeon
- Occupational therapist, etc.
One of the medical individuals must sign a report that substantiates your disability claim for long term disability, and therefore your inability to remain gainfully employed accordingly.
If you do not have a medical practitioner to support your claim, we still may be able to assist you, as we work with some of the best medical experts in the country and province of Ontario.
The skilled and experienced lawyers at Impact Law can offer you representation at an affordable rate.
Our patience, skill, insight and experience can serve you moving forward when the insurance company denies a claim.
Insurance companies look to save money and reduce insurance claims given that critical illness insurance tend to require substantial payouts to the insurance company.
The critically ill insured person cannot easily help with the investigation precisely because of his or her condition, and you need legal help.
If you or a member of your family has become critically ill, you probably cannot afford to have your claim denied. If your insurance company denies your claim, you will need expert, empathetic advice and representation, call Disability Legal.
Critical illness claims are subject to time limits and deadlines.
It’s important that you retain a lawyer as soon as possible to avoid the expiration of any benefits, and to maximize your chances of success.
At Impact Law we get you the maximum critical illness benefits that you are entitled to.
We offer a no obligation consultation with one of our Critical Illness Insurance lawyers who can explain the process and how we can help you.
You are welcome to come to our office or we can meet you at your home or a location convenient to you.
Call Impact law, your critical illness insurance lawyers at 905.597.4878 or toll free 1-877-576-5772 24 Hours.
Impact Law is a full service legal provider specializing in long term disability and injury claims.
We offer a free consultation to discuss your case with one of our lawyers at no obligation over the phone, our offices, or a location convenient to you.
Call us now at 905-597-4878 or toll free 1-877-576-5772 24 Hours.