Tips on Appealing Disability Claim Denial

You cannot work due to injury or illness.  You let your employer know and then compete an application and submit it to your disability insurance company.  Your doctor fills out the appropriate form and then you wait patiently for a decision.  After a while you receive a letter from the disability insurer informing you that your short term or long term disability claim has been denied as there is insufficient medical evidence to support your claim for disability benefits. Sound familiar?  Here are some helpful hints to help you fight your disability insurance company and get paid.

1.   Don’t give up. Many people who are suffering from anxiety simply cannot cope with the pressure from insurance companies.  If you walk away you will not receive anything,  Remember that you have support and if you are disabled and cannot work you are entitled to payment as per the terms of the disability policy.

2.  Don’t waste time with the insurer internal appeal process.  Your insurer adjuster may       present you with an arbitrary deadline to submit further medical documentation at your cost and expect you to believe that one of their colleagues will disagree with their decision. You will experience endless frustration attempting to meet the insurance company’s demands. What’s the likelihood of one colleague saying their coworker was wrong in their decision?

3.  Speak with an experienced disability claim lawyer.  A disability lawyer will examine your case and quickly commence a law suit against the disability insurance company,  They will build a medical case for you and work towards an early resolution of your claim so you are not without money for too long.

4.  Follow your doctor’s advice.  It is important that you see your doctors on a regular basis and that you follow their treatment advice. Your disability insurance policy will likely contain a provision that allows the disability insurer to withhold benefits if you are not taking appropriate treatment for your condition.

If you have been denied short term or long term disability benefits by a disability insurance company you are no doubt feeling frustrated by the process.  At Kotak Law we are committed to helping people access the disability benefits they have been denied and we understand your anger with your disability insurance company.

We offer free consultations and don’t charge until your case is resolved.  We represent people throughout Ontario, Alberta and for those who cannot meet us at one of our offices we offer consultation at your home, a local coffee shop, courthouse, by telephone, Skype or WhatsApp.


We understand that being denied disability benefits can be frustrating and devastating. Your time to fight your disability insurance company is limited. Please do not delay in calling long term disability lawyer. We have successfully sued numerous disability insurance companies including: Manulife, Sunlife, Desjardins, Great West Life, Blue Cross, AIG, SSQ, RBC, Industrial Alliance and more.

Call your trusted long term disability lawyers at 1-888-GOKOTAK (Toll Free for all of Canada), or (416) 816-1500 (Local Number for Ontario Residents), (403) 319-0071, (587) 414-1010 (Local Numbers for Alberta Residents). Our consultation is free and we don’t get paid until you do. We can meet you at our offices, at a coffee shop, your home or a local court house. We represent disabled people throughout Ontario and Alberta, including Toronto, Mississauga, Brampton, Milton, Georgetown, Orangeville, Oakville, Burlington, Hamilton, St.Catharines, Niagara Falls, Stoney Creek, Kitchener/Waterloo, Cambridge, London, Windsor, Markham, Pickering, Oshawa, Peterborough, Keswick, Kingston, Ottawa, Banff, Brooks, Calgary, Edmonton, Fort McMurray, Grande Prairie, Jasper, Lake Louise, Lethbridge, Medicine Hat, Red Deer, Saint Albert and other locations.

Disclaimer: This article is intended to supply general information to the public. We make every effort to ensure the accuracy of this information. However, as laws change quickly, the reader should always ensure the accuracy and applicability of such information with respect to their particular case. The information contained in this article cannot replace a thorough and complete review of the reader’s situation by competent legal counsel who has had an opportunity to review all of the facts.