When illness, injury, or mental health stops you from working, long-term and short-term disability benefits are supposed to replace your income. Too often they're denied on paper-thin medical reviews, or cut off just as you've come to rely on them. Daniel takes on insurers in disability disputes — including claims that arise when a broker's negligence left a client without the coverage they thought they had.
He builds these claims the same way he builds his injury files: with the medical, expert and vocational evidence that shows, concretely, why you cannot do your job and, where the insurer cut you off in bad faith, why.
- Reinstated or back-paid disability benefits
- Continued monthly income-replacement coverage
- Damages where an insurer acted in bad faith
- Claims arising from a broker's failure to obtain proper coverage
- Lump-sum settlements with insurers
My LTD claim was denied. Is that the end of it?
No. A denial is the insurer's position, not a final ruling — many are overturned with the right medical evidence and advocacy. There are strict time limits to challenge a denial in court, so it's important to get advice quickly rather than appealing through the insurer's internal process indefinitely. It is also not uncommon for insurers to settle LTD and STD claims outright rather than keep an insured on the policy. These agreed compromises on the value of the policy can remove the insurer from your life and give you more financial flexibility than remaining on the policy indefinitely.
Wondering whether you have a claim?
Tell Daniel what happened. He'll give you a straight read, in confidence, at no cost.