Disability, Critical Illness & Life Insurance Denials


Disability insurance is meant to protect your income if you become disabled from being fit to work. Disabilities can be a result of various injuries, diseases or sickness whether physical, psychiatric or a combination of both. Unfortunately, insurance companies frequently unfairly deny payment of disability claims. This sudden absence of income is a very stressful time. Virk Personal Injury Law has the resources and skills to analyze the technical clauses in your policy of insurance to advocate for your right to payment of benefits.


Virk Personal Injury Law has the special skills, knowledge and experience to get you the most out of your policy. We act for people who have been denied claims under the following types of policies:

  • Long Term Disability Insurance
  • Short Term Disability Insurance
  • Critical Illness Insurance
  • Mortgage Insurance Claims
  • Group Long Term Disability Policies
  • Individual Disability Policies
  • Canada Pension Plan Disability Claims

Although every policy is different and must be studied by your experienced disability insurance lawyer, in order to receive disability benefits you are usually required to meet a disability test which is often tied to your ability to do the essential tasks of your normal employment. The test is often made more difficult after 2 years of disability when you have to be disabled from performing the essential tasks of any occupation that you may have skills, education or experience to do. This is often when the dispute with your insurance company arises and you need a disability insurance lawyer to step in to advocate your position.

Another frequent dispute arises over whether you made misrepresentations when you purchased your insurance policy which would void your policy. This will be very frustrating to you as you have paid premiums for years and brokers often rush into selling you the insurance policy while not thoroughly investigating your medical history. Fortunately, insurance law recognizes the difference between fraudulent and innocent misrepresentation and also requires the misrepresentation to be material to the risk insured.