Disability Insurance Lawyer
Were You Denied Coverage under a Disability Insurance Policy?
Because lawsuits against an insurance company are subject to strict deadlines—and filing a lawsuit does not stop these deadlines—consulting a lawyer expert in insurance law as soon as possible can make a big difference.
You Are Entitled to Benefits!
Being denied insurance benefits after paying premiums and contributing for years is a frustrating experience. You may even feel that your insurer questions your physical condition or your integrity. This denial of benefits can jeopardize your peace of mind and financial security, especially when your income replacement is at stake.
Contact a Disability Insurance Lawyer as Soon as Possible: We Can Help You Manage Complex Files and Maximize Your Chances of Obtaining Monthly Benefits.
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How a Lawyer expert in Disability Insurance Can Help You
Challenging a denial of benefits on your own is risky. Insurance companies have considerable resources: medical experts, legal professionals, and specialists in contract clauses. Seeking advice from a lawyer expert in insurance law becomes a strategic advantage.
At Accident Solution, our lawyers, recognized for their solid expertise, guide you through the benefits process. Our goal is to maximize your chances of obtaining the payment of the benefits to which you are entitled, at every stage of the process:
- Analyzing your insurance policy and the reasons for denial
- Evaluating evidence and complex files
- Preparing supporting documents (medical condition assessments, certifications)
- Negotiating or pursuing legal action if necessary
- Representing you in court for insurance disputes
We defend your rights against abuses (delays, surveillance). With Accident Solution, you benefit from reliable assistance and solid expertise to protect your future and your own employment.
Applying for Disability Insurance Benefits
Disability insurance aims to compensate for a loss of regular income caused by an injury or a disabling illness. It offers temporary income replacement and can help you cover essential expenses.
However, applying for disability insurance benefits can be complex. It is often necessary to obtain legal advice to secure benefit payments according to your rights and personal situation.
A Disability Insurance Claim Can Be a Complex Process
You can file a claim for benefits, whether it’s for temporary or permanent disability, even if no workplace accident is involved. It applies to both individual and group insurance coverage. Reviewing your disability insurance policy helps you understand the types of policies and applicable conditions.
Insurers may refuse to pay benefits for reasons such as chronic pain or certain chronic illnesses. If you receive an initial denial, a benefits lawyer can help you challenge it.
Medical assessments from healthcare professionals are crucial to substantiating your own occupation and your right to a regular income.
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What Does Working with a Disability Insurance Lawyer Look Like?
At Accident Solution, each case is handled with thoroughness, expertise, and empathy. Below are the main steps of our personalized support process:
1. Free Initial Consultation
From the very first contact, we review your case and any available documents and evidence. We verify information related to your insurance policy and estimate your chances of success. If the case is promising, we explain the next steps clearly—this initial consultation is free and without obligation.
2. Gathering Evidence and Detailed Analysis
If you decide to move forward, we collect the necessary medical and documentary evidence. Alongside our expert partners and lawyers, we examine your type of insurance policy to identify any unfavorable clause. This helps defend your replacement benefits and avoid an unfair loss of coverage.
3. Negotiation with the Insurer
Before filing any civil lawsuit, we prioritize negotiating with the insurer. We highlight the strengths of your file and remind them of their obligations. Our objective: to secure a quick settlement and benefit payments without going to court, while protecting your personal finances.
4. Legal Action If Necessary
If no solution is found, we file a lawsuit before the courts. This step is based on strong evidence, independent expert opinions, and solid legal arguments. Our expert partner lawyers ensure contractual obligations are met and that the expected benefit payments are honored.
5. Payment Only in the Event of Success
With Accident Solution, our contingency fees only apply if the case is successful. You pay nothing upfront: our legal services are billed only if we win. This method protects your personal finances and ensures the support of a committed legal team.
Get in Touch Now with a Disability Insurance Lawyer to Protect Your Own Employment, Your Rights, and to Secure Your Benefits.
Put Your Trust in expert Disability Insurance Lawyers
Turn to our partner lawyers expert in disability insurance to help you obtain replacement benefits or sickness benefits. Whether your situation stems from bodily injuries, a chronic illness, or a lack of coverage, we—
Your Money and Your Benefits Are Rightfully Yours—Defend Them!
Do not let an initial denial or the absence of a solution discourage you. A lawyer expert in disability insurance can help you maximize your chances of securing benefit payments, whether your file involves individual insurance, group disability insurance, health insurance, or even property and casualty insurance.
Here is how we can help:
- Analyzing your file and the reasons for the benefit denial
- Identifying weaknesses in an insurance policy or policy type
- Negotiating with private insurers for quick benefit payments
- Filing a lawsuit in court if necessary
- Defending your right to replacement benefits in the event of lost regular income
- Handling every legal step from start to finish
- Anticipating and countering insurer objections
- Pursuing a premium refund or other compensatory measures
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“Our disability insurance claims and insurance dispute lawyers have achieved successful results for clients across all industries.”
Learn more about disability insurance
Why Choose Accident Solution as a Disability Insurance Lawyer?
Insurance companies handle numerous files each year and are highly familiar with the nuances of benefit claims and various policy types. As the claimant, you might be at a disadvantage from the start. With Accident Solution, you benefit from strong expertise and partner lawyers expert in disability insurance disputes to balance the scales.
Independent and Ethical Expertise at Your Service
Our legal practice is devoted solely to defending insured people who have been denied benefits. Unlike insurance companies, we operate without any conflict of interest. Our approach aims at securing a fair payment of benefits linked to your own employment or usual profession.
A Human Approach and Services Tailored to Your Reality
We understand the financial and emotional impact of disability or chronic illness. That is why we offer a free initial consultation. It enables us to review the details of your file and devise the best strategies. Our legal services cover every step, from negotiation to legal recourse.
Zero Fees Until a Concrete Result
Our model uses contingency fees. No upfront fees are required: you only pay if we succeed, reach a settlement, or achieve a favorable judgment. This method reduces your stress and lets you focus on your health, your needs, and maintaining your regular income.
What Is Disability Insurance?
Disability insurance, sometimes referred to as income insurance, protects you from the loss of your regular income due to disability. This coverage applies when a person becomes unable to work at their usual occupation because of bodily injuries, a chronic illness, or a psychological disorder. Focused on income replacement, this protection is a key part of benefits-related matters.
There are two main categories of disability insurance: public programs (QPP & insurance) and private insurance plans. Private disability insurance may include different types of policies:
- Long-term disability coverage
- Short-term disability coverage
- Sick leave coverage (sickness benefits)
Long-Term Disability Benefits
In the event of an accident, chronic illnesses, or a condition affecting your own employment, long-term disability benefits ensure payments to make up for the loss of income. This financial support is often vital in the absence of adequate coverage.
While short-term disability coverage typically lasts up to two years, long-term replacement benefits can continue until retirement, depending on the type of policy and the severity of the disability. This mechanism helps guarantee financial stability for a worker unable to perform their usual occupation.
Short-Term Disability Benefits
Short-term disability insurance is designed for temporary absences resulting from an accident, hospitalization, or illness. This type of coverage is common in group disability insurance and some health insurance plans. It provides regular income or benefit payments for six months to two years, depending on the policy’s terms.
Common Reasons Disability Insurance Claims Are Denied
Insurers cite multiple reasons when initially denying disability benefits. Our expert partner lawyers can help you fight these unjustified decisions. Below are the most frequent grounds:
- Insufficient medical evidence: Documents do not demonstrate your inability to work at your usual occupation.
- Restrictive definition of disability: Some clauses impose very strict limits based on the policy type.
- Pre-existing conditions: Bodily injuries or illnesses that existed before taking out the policy.
- Failure to disclose information: Missing or incorrect statements at the time of application.
- Insurer’s medical assessment: The insurer’s doctor believes you can return to work.
What Happens after 2 Years of Disability Benefits?
After 24 months of benefit payments, most insurance contracts adjust their eligibility criteria. During the first two years, the insured is considered disabled if they cannot perform their usual occupation or own occupation.
Past this period, the insurer often requires proof that you are unable to perform any reasonable job, based on your profile. This change—common in property and casualty insurance—can lead to an initial denial if the insured lacks independent expertise or sufficient evidence. This is why an initial consultation with a lawyer specializing in disability insurance is so important to defend your benefits and avoid any lack of a solution after the two-year mark.
Why Consult a Lawyer expert in Disability Insurance ?
Even when your disability insurance claim is based on solid evidence, insurance companies may sometimes refuse to pay or reduce the amount of benefits. A disability insurance lawyer can help you:
- Gather relevant medical evidence (chronic illnesses, bodily injuries)
- Understand the legal process in this area of benefits
- Negotiate or initiate a civil lawsuit if necessary
At Accident Solution, our expert partner lawyers understand the strategies used by insurance companies and work diligently to protect your rights. Even if you pay your premiums and follow the stipulations of your policy to the letter, an insurer may:
- Fail to properly assess the information in your file
- Reject evidence tied to your usual occupation
- Incorrectly apply the policy terms, including coordination clauses
- Delay or deny benefit payments without valid grounds
Our objective is clear: help you receive the full amount of the benefits you deserve, as quickly as possible.
Can a Lawyer expert in Disability Insurance Help You Manage Multiple Sources of Benefits?
In Quebec, a claimant may receive disability benefits from multiple sources: private insurance, CNESST, QPP & insurance, CPP, health insurance, and more. However, in cases of overlap, insurers often apply deductions that reduce benefit payments.
For example, if you receive compensation from the CNESST (workplace accident) or from QPP & insurance (severe disability), these amounts are frequently deducted from your private or group disability insurance benefits. This rule is found in many types of policies.
