Types of Disability Insurance

Long Terms Disability (LTD) Insurance Claims  |  Canada Pension Plan (CPP) Disability Claims
Critical Illness Disability Claims  |  Mortgage Insurance Claims

Long Term Disability (LTD) Insurance Claims

Long Term Disability Insurance is designed to give you peace of mind. In the event that you are unable to work as a result of a medical condition such as a sickness or injury, you receive a disability benefit to help pay your bills, cover your expenses, and pay for medical treatment and medication. Thus, when the insurance company denies your disability claim or terminates your disability benefit, the effects can be devastating.

The insurance company may have many excuses for denying your benefit. For example, one of their in-house company doctors (who has not examined you) believes you can go back to work, or the LTD adjuster claims to have surveillance videos proving you are not disabled. They might even declare that you took too long to submit a claim or that your claim is denied because of an exclusion in the policy.

Don’t give up. A court of law may strongly disagree with the insurance company’s position.

Yazdani Law Office specializes in long-term disability claims. If your LTD claim is denied or your benefits have been terminated, we can help appeal the decision, and if necessary, take the insurance company to court to fight for the benefits you are entitled to.

Group Long Term Disability Policies
Group LTD policies are sold to companies that range from only a handful of workers to several thousands employees. Often, an employee will not be aware that their employer has such coverage in place. Whether you pay the premiums yourself or the whether the premiums are paid by your employer, our disability law office can help you fight the wrongful denial of your benefits. Call us today for a free consultation with a disability lawyer.

Individual Disability Policies
Individual Disability policies are purchased by professionals and other individuals who quite often pay an expensive premium to protect their income and lifestyle in case they become disabled. Individual policies are sometimes denied on the grounds of misrepresentation on the application. Whatever the reason for the denial of your benefits, contact our office to speak with an Ontario disability lawyer about your rights at law and under the policy.

Short-Term Disability (STD) Insurance Claims
STD disability insurance covers a short period of time (usually under 6 months) in which you are paid a disability benefit if you become disabled and are unable to work in your occupation. Occasionally, STD insurance is issued by an employer as opposed to an insurance company. If your STD claim has been denied, contact our office for a free consultation to discuss your legal options.

Canada Pension Plan (CPP) Disability Claims

The Government of Canada pays a disability benefit to individuals who have made contributions to the Canada Pension Plan (CPP) and who have suffered a disability which leaves them unable to work. To be eligible for the disability benefit, you must have a severe and prolonged mental or physical disability.

If you have applied for CPP benefits and have been denied, do not give up hope. Many applicants in Ontario are initially denied benefits, only to have the decision overturned on reconsideration or on appeal.

Our disability law office can assist you by appealing your decision to the Office of the Commissioner of Review Tribunals (OCRT) and by representing you at the tribunal.

There are strict timelines involved – contact our office for a free consultation with an Ontario disability lawyer about your case.

Critical Illness Insurance Claims

Critical Illness insurance provides a lump sum benefit in the event that you contract one of many illnesses or medical conditions such as heart attack, stroke, cancer, multiple sclerosis, kidney failure, blindness, and others.

The most common reason that the insurance company uses to deny your critical illness benefit is misrepresentation on the application. In other words, they allege that you were not truthful about your medical history or your medical condition when you applied for the insurance.

Don’t give up. A court of law may strongly disagree with the insurance company’s position. Also, there may be negligence on the part of the insurance broker or advisor who gave you advice or helped you to complete the insurance application.

We can help appeal your decision and, if necessary, take the insurance company to court. Contact Yazdani Law Office for a free consultation with an insurance lawyer about your legal options.

Mortgage Insurance Claims

For many people in Ontario, the mortgage payment is the largest monthly or bi-weekly expense of the household. They spend hard-earned dollars on purchasing mortgage insurance in case they become disabled. The policy is intended to cover all or a portion of your mortgage payment while you are unable to work.

Mortgage insurance is often denied on the grounds of misrepresentation on the application. In other words, the insurance company claims you were untruthful about your medical condition when you applied for the coverage. However, a court may strongly disagree with the insurance company’s position. Also, the bank or insurance representative who sold you the insurance may have filled out your application incorrectly.

If your mortgage insurance claim has been denied, contact our office for a free consultation with an insurance lawyer about your legal options.