What To Do If Your Claim For Short Term Disability Benefits Has Been Denied

Short term disability insurance policies are often offered by employers and provide for the payment of disability benefits if you are unable to perform the essential tasks of your employment. Usually short term disability benefits are paid for a specific period of time such as three months, six months or one year.

Short term disability benefits are often paid by your employer through a plan administered by a disability insurance company such as Manulife, Great-West Life or Sun Life. In some case these disability insurance companies are the payor and not just the administrator.

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 or (416) 816-1500. 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 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 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.