Denial of Disability Benefits in Brampton
If your short-term or long-term disability claim has been denied, you don't have to accept the decision. Insurance companies frequently deny valid claims — but an experienced Brampton employment lawyer can help you challenge the denial and fight for what you're owed.
Why Disability Claims Get Denied
- Insufficient medical evidence (the insurer says your documentation is incomplete)
- Surveillance footage used to contradict your condition
- Change of definition (after 24 months, policies often shift from "own occupation" to "any occupation")
- Pre-existing condition exclusions
- Missing forms or procedural errors
What to Do When Your Claim Is Denied
- Review your denial letter immediately
- Gather all specialist medical documentation
- Be wary of internal insurer appeals — they often delay and exhaust limitation periods
- Consult a lawyer before accepting any settlement offer
Your Legal Options
You may have grounds to:
- File a civil lawsuit against the insurer
- Pursue a bad faith claim if the denial was unreasonable
- Seek full benefit payments plus interest and legal costs
Important: Limitation Periods
Claims have strict deadlines. In Ontario, you generally have 2 years from when you knew or ought to have known you had a claim. Don't wait.
Contact us today for a free consultation.
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Disclaimer: By contacting Randy Ai Law Office you consent that you may be contacted by a lawyer or paralegal from the firm, or alternatively, a legal professional who works in association with the firm, but who operates an independent legal practice.
