416-460-6823Serving All Of Ontario
Short term disability (STD) benefits are essential for financial support during recovery from illness or injury. STD benefits are typically provided under an employer’s group benefits plan and managed by insurers such as Sun Life, Manulife, Canada Life, or Desjardins.
Short term disability benefits usually last from 17 to 26 weeks, but sometimes claims are denied at the outset or shortly after payments have begun. Denials can of course have a significant impact on your financial security. This stress can worsen health issues, delay recovery, and might even compel a premature return to work, which can lead to further health complications.
If your STD claim is denied and returning to work isn’t an option, it’s vital to understand your legal right to free advice. Michael Jordan, a dedicated short term and long term disability insurance lawyer in Ontario with 20 years of experience, offers expert guidance through the appeals process with no up front cost.
You will receive personalized service, prioritizing your case for the best possible outcome. Michael’s approach ensures detailed and committed representation in every aspect of your STD claim, helping you navigate the complexities of disability insurance with confidence.
When handling short term disability claims, it’s essential to understand your rights and the complexities involved. Michael Jordan, a respected disability insurance lawyer with comprehensive expertise in both long term and short term disability insurance in Ontario, is dedicated to helping clients navigate the challenging landscape of unjust claim denials.
Being denied short term disability benefits can be a disheartening and stressful experience. Insurance companies often reject claims even when presented with proof and comprehensive medical documentation.
Whether to appeal or commence a lawsuit is a strategic decision where expert legal advice is required. Michael Jordan can provide this expertise, offering a clear path forward during these challenging times.
The initial consultation with Michael Jordan is free, emphasizing his dedication to providing accessible and reliable legal support right from the start. This initial meeting is vital for assessing your specific case, discussing the feasibility of an appeal, and planning an effective strategy to reclaim your rights.
The appeal process offers a significant opportunity to overturn unfair denials and recover your rightfully owed benefits. With Michael Jordan’s assistance, you can navigate this process confidently, knowing you have a knowledgeable advocate.
Michael’s expertise in disability insurance law ensures that your claim is handled with the utmost care and professionalism, maximizing your chances for a successful outcome.
If your short term disability claim has been denied, you have the right to appeal the decision. However, navigating the appeals process can be overwhelmingly complex and time consuming.
Appeals are reviewed by the same insurance company that issued the initial denial, making success rare. This bias can lead to multiple denials, delaying the financial support you need and causing unnecessary stress.
Appeals may be worth pursuing if you have new and compelling evidence, especially if you plan to return to work soon or if the disputed amount is small. However, the prolonged process can be unproductive, keeping your income out of reach and impacting your wellbeing.
Opting for legal action through skilled disability insurance lawyers offers a much higher success rate than direct appeals. Lawsuits move the decision making process from an insurance company’s internal scope to an impartial judicial system, which tends to favour people over insurance companies.
Legal professionals specializing in disability insurance in Ontario handle every aspect of your case, from compiling comprehensive evidence to negotiations with insurers. This approach not only lifts the burden of navigating complex legal and procedural challenges, but also expedites the resolution of your claim.
If your short term disability claim has been denied, consider seeking legal assistance to maximize your chances of a successful appeal or lawsuit.
Facing a denial of your short term disability claim can be a significant setback, especially if your medical condition prevents you from returning to work. In such situations, securing long term disability benefits becomes even more critical.
Understanding your rights and the intricacies of short and long term disability insurance claims is essential to protecting your financial future during extended periods away from work.
Legal representation can dramatically shift the scales in your favour, particularly when your claims are repeatedly denied. With extensive experience in both LTD and STD insurance claims, Michael Jordan understands the intricate policies of disability insurance in Ontario.
There exists a narrow window for challenging these denials effectively. Delaying beyond this period can severely limit your options for recourse and may lead to a permanent loss of benefits. By contesting wrongful denials, you assert your rights. Trust Michael Jordan to navigate the legal challenges and advocate for the justice you deserve.
Michael Jordan offers expertise in handling STD claims and appeals. Whether your claim has been unfairly denied or you struggle to understand the complex landscape of disability insurance, Michael is here to support you.
Our firm specializes in short and long term disability insurance claims, ensuring that your rights are upheld and that you receive the benefits to which you are entitled. Navigating the appeals process can be daunting, but with a skilled disability insurance lawyer, your case will be managed with the utmost precision and dedication.
Contact Michael Jordan for a complimentary consultation and discover how he can assist you in securing the financial support you deserve. You can contact him online or give him a call at 833-554-1238.
QUADRIPLEGIA
$1,950,000
Our client sustained serious injuries in a motor vehicle accident. She advanced claims against her insurance company for income replacement benefits, medical expenses, and cost of care. The claim settled for close to $2 Million dollars.
BIPOLAR DISORDER
$575,000
Our client was a successful business person. When his long term disability claim was denied, he retained Michael Jordan to take legal action against the LTD insurer. Expert medical evidence that was instrumental in resolving the case.
DEPRESSION
$400,000
Our client was unable to work due to debilitating depression and anxiety. The disability insurer denied the claim, but when faced with litigation, a settlement was achieved allowing the client to focus on his recovery.
CANCER
$400,000
Our client was diagnosed with life threatening cancer, which resulted in a severe psychiatric response. The claim was denied based on an exclusion in the policy. The exclusion, however, was poorly drafted and the case quickly settled.
LONG COVID
$275,000
Brain fog, fatigue, and inability to focus and concentrate were the main symptoms. The LTD insurer denied the claim due to lack of "objective medical evidence", even though there was no requirement in the policy to provide objective evidence, and the nature of the impairments were inherently subjective. The case settled after litigation was commenced.
PSYCHOSIS
$270,000
The claim was denied because our client was not participating in appropriate treatment, but his mistaken belief that he did not need treatment was a symptom of his disability. An expert psychiatrist was retained to provide opinion evidence that the failure to participate in treatment was a symptom of the underlying illness. The case quickly settled.
CANCER
$267,000
Our client had surgery to remove the tumour, but was left with severe chronic pain and anxiety. An opinion from an expert oncologist supported disability and a fair settlement soon followed.
VERTIGO AND NAUSEA
$255,000
The long term disability insurer did not believe our client’s self reported symptoms. During the litigation, extensive medical records and reports were obtained that supported disability.
CHRONIC FATIGUE
$250,000
The claim was denied because there was no medical explanation for the sudden onset of chronic fatigue syndrome. Two expert reports were secured, and the case settled at mediation.
ANXIETY
$250,000
Our client suffered from severe anxiety that made work impossible. Despite this, her LTD claim was denied. It settled shortly after a lawsuit was commenced.
CHRONIC PAIN
$250,000
Our client was involved in a motor vehicle accident many years ago. He continued to suffer chronic pain, but the LTD insurer denied his claim. Expert opinion evidence helped secure the settlement.
MIGRAINE HEADACHES
$240,000
The insurance company denied the claim after the two year “own occupation” test of disability changed to “any occupation”. Evidence was secured that the client could not work in any job, and the case resolved.
Previous results are not necessarily indicative of future results. Contact Michael Jordan, long term disability lawyer, for an assessment of your claim.
Michael Jordan
Jordan Honickman Barristers
Contact Today
