We know that getting the denial letter from the disability insurance company or Service Canada was one of the worst days of your life. How can they deny your disability claim, when you know for a fact you can't work?
If you are like most people , you struggled for months (sometimes years) before finally agreeing to go on an extended sick leave. You worked yourself to the point of almost total breakdown.
Going on disability benefits was the last thing you wanted to do at this point in your life. This is why the arbitrary denial of disability payments is so frustrating.
The problem you now face is how to do the appeal? What do you need to say or do to convince the insurance company to pay you? What mistakes do you need to avoid?
We have a free service to help you. We call it our Disability Appeal Game Plan. The game plan is a 10-page report that reviews key information about your situation, and then gives an appeal plan to maximize your chances of success.
Easy 3-Step Process:
1. Schedule a free phone consultation with us.
2. Work with our team to create a customized Disability Appeal Game Plan for your situation. This is all done by phone and online.
3. Carry out the plan or get us to do it for you (and only pay us if we win).
Get started now by calling us at 365-800-1932 or by booking you appointment using the calendar below.
Resolute Legal is a national disability claim law firm. We focus exclusively on helping you win disability payments from insurance companies and government agencies. We believe that no person should be denied disability benefits because of legal technicalities wrongful decisions by benefits providers.
We are a leading publisher of books and consumer guides aimed at helping you win disability benefits. Our founder and managing lawyer is a former occupational therapist. We help you at all stages of the disability claim process with free information and paid services.
We use an online legal services model for all services, which means you don't have to leave your house or apartment to hire us.
Yes. We have have represented people in Toronto and continue to have clients in Toronto for both CPP disability cases and long-term disability insurance cases.
We represent people in the Toronto area and throughout Ontario.
Dealing with a disability claim or appeal can get overwhelming.
Do I need a lawyer? What is a disability lawyer? How much is it going to cost? These are some of the most common questions I get when speaking with people each week.
Below is our guide to managing your disability claim or appeal.We have created this guide to help you better understand your options and what is involved with hiring a disability lawyer. We have included links to articles and local resources that will be important for you
A disability lawyer is a lawyer who focuses their practice on representing people in disability claims and disability-related employment programs. Disability lawyers focus on disability claims involving insurance companies and government agencies.
You may assume that lawyers can be good at all things, but in reality the best lawyer focus their practice on one or two areas of the law.
There is no official certification for a lawyer to be a disability lawyer. So, any law firm could refer to its lawyers as "disability lawyers". You need to be aware there can be big differences in experience and
We believe the term disability lawyer should be reserved for lawyers who focus exclusively on representing people in disability claims and related-employment issues. You will need to do your own research to make sure the lawyer actually has experience with disability claims and appeals.
Disability lawyers give legal advice and representation to people who need to apply for and win disability benefits from government agencies or insurance companies. Disability law firms will usually offer a range of free and paid services, including:
Most disability lawyers and law firms will offer a free consultation of some sort (there is a free consultation offer on this page). Free consultations are intended to give you general information and advice. Sometimes free consultations are with a lawyer, but they can also be provided by other members of the legal team. Free consultations are great for getting a better understanding of your rights and legal options, but are not intended for specific legal advice. Free consultations are always a great place to start if you want to learn more about your legal options and the free and paid help a law firm could give you.
Some disability lawyers will offer educational materials, including blog articles, guides, books, and videos aimed at educating you about disability claims and the legal process. You are reading free educational material right now! At Resolute Legal our mission is to empower consumers through education so that everyone has access to justice. We try to produce the best legal information on disability claims. We recommend you learn as much as you can about disability claims and disability lawyers because it will help you make better decisions.
We offer free education materials to help you make better decisions:
Some disability lawyers (us included) will offer affordable legal consultations for a fixed fee. This means you pay a one-time fee for a disability lawyer to give advice or perform a one-time service. Paid consultations are best if you are handling your own disability application or appeal, but would like to have things reviewed by a lawyer before you send it in. Or, if you get a letter in the mail from the insurance company, and have a questions about what you should do.
For example, at Resolute Legal we offer following services for a fixed fee:
All of these services are delivered by phone or video conference for a one-time fixed fee.
All disability lawyers will offer to represent you in appealing your disability denial. The lawyer will prepare the appeal documents and communicate directly with the insurance company or government agency on your behalf.
How you are charged can be different from lawyer to lawyer. Some may charge by the hour and require an up-front retainer payment.
Others may offer a fixed fee for the work to be done, that must be paid regardless of success.
The most common arrangement is a contingency fee agreement, in which payment for legal services is conditional on success. These are often referred to as no-win, no-fee legal agreements. The fee will either be a fixed fee (payable on success) or the fee will be a percentage of the money recovered from the insurance company.
There is no certification to be a disability lawyer, so any lawyer or law firm can call themselves "disability lawyers". This makes it hard for us to give you a complete list of all lawyers or firms who represent people with disability claims or appeals.
Also, most disability lawyers in Ontario work province-wide, so you don't necessarily have to look only for lawyers based in Toronto.
Following is a list of law firms that we know have experience with long-term disability claims (in no particular order): Aaron Waxman & Associates, Share Lawyers, Howie, Sacks & Henry Law Firm, Prezler Law Firm, Yazdani Law Office, Diamond and Diamond Lawyers, Kotak Law Firm, and Resolute Legal.
This is not a complete list, but it is a good place to start.
Hiring a lawyer is not easy. It's an important decision that you need to make carefully. Unfortunately many people dealing with a disability denial will rush the decision to hire a lawyer.
This is understandable. You are under financial pressure. You can't bear any more phone calls with the insurance representative. You just want someone to take this burden off of your shoulders. A good lawyer can help with all of these things, but you have to make sure you choose a lawyer who is the right fit for you.
While I would love for you to hire my firm for your disability claim, I realize that we are not be the right fit for everyone. So, I have written a guide about how to hire a disability lawyer.
You can use this guide to evaluate us, or any other disability lawyers you are considering. It includes seven-step process, which is the same process that many lawyers (including myself) use when they have to hire a lawyer.
I recommend you read this guide before you make a final decision on hiring a lawyer for a disability appeal.
If the insurance company has denied your short or long-term disability insurance claim, it is important to understand your rights and obligations. Depending on your situation, there could be many obligations and deadlines that apply to you. It is important that you take action to secure your employment rights while appealing the denial of disability insurance benefits.
A disability lawyer can help you in the following ways:
If Service Canada has denied your application for CPP disability benefits, it is critical that you not miss the 90-day deadline to appeal. Your appeal strategy will be different depending on whether you are doing a Reconsideration Appeal (with Service Canada) or a Tribunal Appeal (to the Social Security Tribunal).
You must take special care when appealing your case to the Social Security Tribunal. There are technical requirements you must meet. There are tight deadlines for requesting the appeal and getting in documents before the hearing. Your tribunal hearing is essentially your "last kick at the can" so you have to get it right. Consult a disability law firm early on in the process. If you wait until your hearing is fast approaching, or worse yet after you have lost your hearing, it may be too late for the law firm to help you.
A disability law firm can help you in the following ways:
At Service Canada offices you apply for EI sickness benefits, CPP disability benefits and Veteran Benefits. For EI Sickness, you can apply online using the computers at the Service Canada Offices. CPP disability requires a paper application, but you get application packages from the offices below.
Service Canada (City Hall)
100 Queen St. West, Toronto, ON
Service Canada (College Street)
559 College Street, Suite 100, Toronto, ON
Service Canada (Gerrard Square Mall)
1000 Gerrard St. East, 2nd Floor Unit DD10/11, Toronto, ON
Service Canada (Lawrence Square)
700 Lawrence Ave West, Suite 103-105, Toronto, ON
The national headquarters for the Social Security Tribunal is in Ottawa. That office handles all CPP Disability cases that are appealed to the Tribunal.
Physical Address: 344 Slater St, Ottawa, ON K1R 5Y7 Slater St, Ottawa, ON K1R 5Y7
Mailing Address: PO Box 9812, Station T, Ottawa, ON K1G 6S3
Phone: 1-877-227-8577 (toll-free in Canada and the USA)
The Superior Court of Justice is the court that handles all appeal lawsuits against insurance companies. If you need to appeal your claim by lawsuit it will be handled by this court. We file all appeal lawsuits with this court.
Physical Address: Ottawa Courthouse,330 University West, Toronto, ON M5G 1R7
Phone:416-326-4230 (this is the phone number for civil litigation cases)
The small claims court handles short- and long-term disability disputes where the total potential benefits owed will be $25,000 or less. If you have returned to work, but are till owed a few months of disability benefits, then the small claims court is often your best option.
Physical Address: 47 Sheppard Ave. East, Toronto, On M2N 5N1
Phone: 416-326-3554 (this is for small claims court only)
Toll Free: 1-888-732-0470
8:00 am - 4:00 pm (EST)
Open: Monday to Friday
Closed: Saturday and Sunday
Application and appeal reviews
Disability appeal hearings
Disability appeals by lawsuit (no-win, no-fee)
Disability-related employment problems (wrongful termination, harassment or discrimination)