Was Your Short Term Disability Claim Denied After an Insurance Company Did a Paper Review?

Does this sound familiar?  You stop working due to a physical disability or due to stress, depression or anxiety.  You complete your application for short term disability benefits and send it to your disability insurance company.  You have your doctor fill out a physician statement and send it with test results such as an X-ray, MRI or CT scan.  You wait a few weeks and enquire from the case manager at the insurance company about a decision.  You are then told that the insurance company’s own doctor has reviewed the medical documents that you sent and has concluded that you can work. You then receive a letter in the mail and learn that your application for short term disability benefits has been denied.

You may be asking yourself how can my short term disability insurance carrier deny my claim based on a report from a doctor who has never even met me. Unfortunately, this happens all the time.  It’s not fair but many claims for short term disability benefits are denied in this manner.

If your short term disability claim is denied your application for long term disability benefits will also undoubtedly be rejected. Nevertheless you should still apply for long term disability benefits if you remain off work.

If your claim for short term disability benefits is terminated or denied you should retain a lawyer as soon as possible.  You should avoid the unnecessary and biased insurance company internal appeal process. Your lawyer should obtain medical evidence from your treating doctors such as your family physician, specialists and therapists to support your claim. Your lawyer may send you to a specialist for a medical/legal opinion to demonstrate that you meet the test of disability as set out in your policy.

At Kotak Law our disability insurance lawyers have been successful in suing disability insurance companies and securing significant lump sum settlements for our clients who suffer from illnesses such as chronic pain, chronic fatigue, depression, anxiety, panic attacks, fibromyalgia, colitis, IBS, cancer, crohns, heart disease, arthritis, migraines, or even stress alone.


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.