If you have Long-Term Disability (LTD) insurance and are unable to work, then you might be eligible to receive a portion of your salary. LTD insurance is typically provided by employers, but individuals can purchase protection as well.

Some disability cases overlap with serious health conditions such as those seen in critical illness insurance claims.

LTD insurance can cover a wide spectrum of disabilities, ranging from back injuries to psychological distress. If you have been denied the insurance benefits that you have paid premiums for, you should seek legal advice in order to determine if you have been improperly denied. Insurance companies will deny claims or attempt to reduce the amount of compensation by using complex language, ambiguous words, or by drawing out the process with the hopes that you withdraw your claim. When denial of a claim is combined with the stress of being unable to work, a person can lose hope and feel abandoned. We can help secure full and fair compensation for your disability and re-instill peace of mind.

In some cases, disputes may involve errors in how policies were explained, which can relate to insurance broker negligence claims.

Why Are Long-Term Disability Claims Denied?

Insurance companies may deny or delay long-term disability claims for a variety of reasons, including:

• Interpreting medical evidence narrowly;
• Requesting repeated medical assessments;
• Arguing that you can still perform some type of work; and,
• Relying on policy limitations or exclusions.

Understanding the reason for denial is often the first step toward challenging the decision.

In cases involving accidents or injuries, working with a personal injury lawyer in Toronto may also be relevant.