Disability Lawyer Toronto Region

Disability and insurance denial lawyers specializing in insurance denials and insurance claims lawsuits, claims, pay outs and disputes. Serving Toronto, Oshawa, Whitby, Southern Ontario.

Disability Lawyer Toronto Ontario discusses lawsuits against insurance companies and settlements

Disability denial lawsuits present unique legal tests and engage different legal principles than other injury cases. If you have been denied disability benefits by an insurance company despite the fact that you are unable to work, it is important to understand the principles that apply and how they affect you. It is important to speak with a lawyer who understands disability benefits law.

To begin with, the relationship between the parties (you and the insurance company) is not founded on a common law duty to reasonably protect the safety of others (as is the case with certain car accident or slip and fall cases). Instead, the relationship between you is founded upon a contract - the insurance contract that you agreed to and the insurance policy that insures you.

For the first two years of disability, most claimants are governed by the "own occ" test: a test that requires you to prove that you are, essentially, unable to return to the job that you were working at the time of the accident.

Beyond two-years, most claimants are governed by the "any occ" test - a test that requires you to prove that you are, essentially, unable to return to any job for which you are reasonably suited by education training or experience.

The tests are subject to legal interpretation and case-law. It is important to speak with a lawyer if your disability benefits have been denied by the insurance company. It is advisable to speak with a lawyer even before you go through the appeals process.

Disability insurance contracts will typically give rise to a duty of "good faith". The insurance company and yourself are governed by this duty and there are serious ramifications for a failure to live up to the duty. Not that long ago, an insurance company was required to pay $1,000,000 in damages for failing to live up to the duty when it, allegedly, denied a person's fire loss claim without good reason and persisted in alleging that it was intentional arson by the insured.

Insurance companies may also require you to apply for CPP disability benefits or ODSP benefits.

Speaking with disability benefits lawyers can help to explain your rights and obligations.

This article is not legal advice. It is simply general information and you are encouraged to immediately seek legal advice to consider how long you have to start a lawsuit and whether your case is viable.

Our Ontario disability benefits lawyers offer injured accident victims respect and experienced guidance based upon our record for success in obtaining fair compensation for injuries and losses in car accidents, slip and falls, disability claims and other injury cases. Offering flexible payment structures (including contingency fee/do not pay unless you win). Providing services to Toronto, Scarborough, Whitby, Oshawa, Ajax, Pickering, Port Perry, scugog, kawartha, Lindsay, Kitchener, Mississauga, Richmond Hill, Markham, Thornhill, Vaughan, GTA and beyond. Our main information page can be found at Ontario Injury Lawyers

ou can be assured that Ontario Newmarket Whitby Oshawa Toronto injury lawyers with the right specialty will respond to your case. Lawyers with experience and knowledge in personal injury cases and insurance claims and who have been able to achieve very high insurance settlements/money awards. Many available lawyers are with some of the top personal injury law firms and who past clients have characterized as some of the best personal injury lawyers in the field. We can also assist in accessing and coordinating rehabilitation services to assist in recovery.

Car Accident Lawyers, Injury Lawyers, disability lawyers and slip and fall lawyers are available in Toronto, the Greater Toronto Area (GTA), Whitby, Oshawa, Ajax, Scarborough, London, Etobicoke, Hamilton, Ottawa, St. Catherines, Welland, Markham, Thornhill, North York, Mississauga, Pickering, Oshawa and beyond.

You may also request that an out of town appointment or an in-home or hospital consultation be arranged at no charge to you with:
• Car and motorcycle accidents lawyers
• Life or disability Insurance lawyers
• Slip and fall lawyers
• Personal Injury lawyers
• Sporting accident lawyers
• Airplane crash lawyers
• Boating and jet ski accident lawyers
• ATV or dirt bike accident lawyers
• Snow mobile accident lawyers
• Injury Lawyers
• Faulty products and Products Liability lawyers
• No-fault car insurance claims and accident benefit lawyers
• Dog bite lawyers
• Assaults, including sexual assault lawyers

Or any occurrence resulting in the need for:
• Personal injury lawyers
• Wrongful Death lawyers
• Brain injury lawyers
• Spinal cord injury lawyers
• Disability benefit denial lawyers
• Chronic pain lawyers

Disability and insurance denial lawyers specializing in insurance denials and insurance claims. Serving Toronto, Oshawa, Whitby, Southern Ontario. Find the best suited Ontario lawyers for your lawsuit - that is a top priority. Ask about how the lawyer or lawyers have been rated by past clients and judges to ensure that you work with a highly rated lawyer with a stellar reputation. Our main information page can be found at Ontario Injury Lawyers