You may have a private long term disability or critical illness policy. Many employees are also fortunate to have long term disability (LTD) coverage through their employer. Certain criteria must be satisfied can be found in your policy manual.
At some point, the insurer denies claims for disability, despite evidence from treating physicians that you are unable to return to work. Often your insurer will demand you apply for Canada Pension Plan Disability (CPP) benefits as well, which is likely a part of your policy.
Disputes arise from denials involving the nature and level of chronic pain, psychological impairments and all types of physical, psychological and cognitive impairments.
At Conte & Associates we specialize in disability and critical illness disputes and we will help you fight these denials and will accept these cases on a contingency basis. You will not pay any fees until we are successful.