GETTING YOUR PREMIUMS TO WORK FOR YOU

Has your disability claim been wrongly denied? Our insurance claim lawyers in Hamilton, Ontario are here to help. Disabilities can be a result of various injuries, diseases or sickness whether physical, psychiatric or a combination of both. This sudden absence of income can often lead to hardships and stressful times for the disabled individual.

Disability insurance is meant to help you protect your income in a situation where you’re unfit to work. Unfortunately, it’s not uncommon for insurance companies to unfairly deny payment of disability claims to deserving individuals. At Virk Personal Injury Law, we have the skills and resources to analyze the technical clauses in your insurance policy and help you get the compensation you’re entitled to.

Insurance Claims We Handle

There are many different insurance policies through which an individual may apply for 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

Common Causes of Insurance Denials

Although every insurance policy is different and must be studied by your experienced disability insurance lawyer, there are often a few common reasons for insurance claims to be denied:

Disability Test

A disability test assesses your ability to do the essential tasks for your normal employment and is typically required for you to receive any type of disability benefit. The test is often made more difficult after 2 years of disability when you have to prove you are disabled from performing the essential tasks of any occupation that you may have the skills, education or experience to do. If you’re facing a disability claim denial based on this test, reach out to Virk Personal Injury Law today.

Misrepresentation of Medical History

Another frequent dispute arises over whether you made misrepresentations when you purchased your original 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. If you’ve been denied your disability claim as a result of misrepresentation, reach out to Virk Personal Injury Law today.

Looking for an Experienced Disability Claim Lawyer in Hamilton, Ontario?

If you’re looking for an experienced disability claim lawyer in Hamilton, Virk Personal Injury Law can help. We have the experience and skills to analyze the complicated clauses in your insurance policy and help you get the coverage you deserve. Reach out to our team of Disability Claim Lawyers at Virk Personal Injury Law today to learn more.