Short-term Disability (STD) and Long-Term Disability (LTD) insurance policies exist to provide income security for individuals who become disabled and are unable to work. Disability insurance fills an important gap when other forms of income security, such as regular salary and government benefits, are unavailable. The extent and nature of disability coverage in each case is governed by the terms of the insurance contract or policy. It is important to review the policy carefully, as every policy is unique. In all cases, disability benefits litigation is based on contract law principles, although insurance law and, at times, employment law principles may apply. James Lawyers is recognized as a leading force in disability litigation in Ontario. The lawyers at James Lawyers understand the needs of disability claimants and how to expertly remove the obstacles barring claimants from receiving the disability benefits to which they are entitled. In advancing a disability claim, it is essential for claimants to have a strong litigation team to effectively advance their interests and secure their benefits. James Lawyers offers our clients knowledge and experience accumulated through years of successfully representing claimants in disability benefits litigation.
Our lawyers have strong expertise in advising and representing individual policy holders whose claims have been denied; working with medical professionals to get the medical evidence needed to confirm that an individual qualifies for short-term and long-term disability benefits; and successfully suing large insurance companies for breach of contract when Short Term Disability and Long Term Disability claims are wrongfully denied. We also have experience litigating disability benefits cases where subrogation, limitation periods, independent medical assessments, lapses in policies, and pre-existing conditions are at play.
James Lawyers takes great pride in our firm’s accomplishments in advancing the cause of disability claimants in Ontario. We invite you to contact one of our experienced litigation lawyers today.