Passion. Trust. Expertise... Results.
Our disability lawyers have represented and advocated for thousands of clients across British Columbia…and won. McQuarrie’s disability claim denials team is committed to helping you get the benefits you are entitled to from your disability insurance provider, and we have the experience to get it done.
We will not back down until we get you results so you can get back to what matters most – your health.
Our demonstrated track record of success in getting results for our clients is powered by the fact that our disability lawyers have been specializing in this unique and complex area of law for over 50 years and our team is fiercely passionate about helping our clients.
How Our Disability Lawyers Can Help You
With McQuarrie’s disability claim denial lawyers you get a team on your side who know, understand and have experienced every possible scenario in dealing with all of the major insurance companies and insurance claim denials. For the last 50 years, we have helped clients win cases against all of the major insurance providers including:
|· Canada Life||· Manulife|
|· Great West Life||· Blue Cross|
|· Sunlife||· RBC Insurance|
Proving the validity of a disability claim can be difficult, insurance companies are increasingly challenging these claims and have the resources to do so. Our disability lawyers can quickly identify your rights under your policy and work diligently to gather the medical evidence necessary to prove your disability and hold your insurance company accountable to the terms of your policy.
Here are the steps we take in handling your disability claim:
1. From the first consultation, our disability lawyers will help you understand the complex terms of your policy and answer all of your questions along the way.
2. Next, we begin gathering the information necessary to contest your insurance denial and will often work directly with your medical team to obtain all of the required documentation.
3. Lastly, our disability lawyers fight the insurer over the terms of your policy through mediation or litigation and by using the medical evidence necessary to prove that your claim is valid and to overcome obstacles to the approval of your claim.
Time limits to sue begin to run the moment your claim is denied, even if you appeal the claim. If your right to sue runs out, you may be forever barred from pursuing your rights against the insurance company. It is recommended that you seek legal counsel at the first signs of your disability claim being denied.
Regardless of where you are in British Columbia, from Prince George to Vancouver our disability lawyers can help!
When not helping our clients directly, our dedicated team of disability lawyers are actively involved in advocating for clients outside of the courtroom by participating on various disability conference boards and delivering presentations to Insurance industry experts and medical professionals, including at the Annual Canadian Life and Health Insurance Association conference.
We also have a number reported decisions against disability insurance companies.
How Are Disability Claims Meant To Work?
If an illness or injury prevents you from working, a disability insurance policy is meant to protect you. Under the best circumstances, it provides you with the peace of mind that comes from knowing that you can’t lose all of your income if an illness or injury prevents you from working.
In most cases, you are supposed to qualify for the benefits offered by your policy if your disability makes you unable to perform the main duties of your own occupation. Depending on your policy, you may also be entitled to benefits if your illness or injury prevents you from working in any other occupation as well. These types of claims may be covered by either individual plans, or by employers who place their employees under a group plan.
Not every contract shares the same definition of ‘disability,’ so it’s important to review your policy or ask a disability claim lawyer to help you if your claim has been denied. It is important to understand that almost any term can be open to legal interpretation.
Why Are Disability Claims Denied?
When disability claims are denied, it can be for any number of reasons.
One common reason disability claims are denied is a lack of medical evidence for the disability. For example, you may be unable to perform your duties because of intense pain, chronic fatigue, anxiety or depression. It’s not always easy to prove to your insurance company that the disability is real. That’s why it’s important to talk to a disability lawyer when your claim is denied.
To overcome an insurance denial, it will be necessary for you or your lawyer to gather the medical evidence necessary to satisfy the terms of the policy. Your lawyer may do this by gathering evidence from your doctor, specialists of your condition or from past cases that involve claims like yours.