When the insurance company denies your claim, or cuts off your payments, we help you appeal their decision. We represent you at all stages of the appeal process, which starts with writing appeal letters to the insurance company and can include filing a lawsuit against them. Suing the insurance company is the last resort, but can be effective because it gives you the most options. You have the option to do buy-out negotiations (out of court settlements), lawsuits put greater pressure on the insurance company to approve your appeal and pay monthly benefits, and a judge will have the final say and can force the insurance company to pay you, even if they don’t want to.
This is right for you if the insurance company has denied your disability claim and you need to prepare an appeal letter, attend an appeal hearing or file a lawsuit against the insurance company.
The legal fee is always on a no-win, no-pay arrangement. The legal fees are calculated differently depending on whether a lawsuit needs to be started. For pre-lawsuit appeal letters and appeal hearings the legal fee is a fixed fee that ranges from $7,500 to $15,000 depending on the complexity of the appeal. For lawsuits, the legal fee will not exceed 33.3% (plus taxes) of any retroactive payment or one-time settlement.
Please note that we only offer this service in Atlantic Canada and Ontario. We reserve the right to decline service. In all other provinces, we would refer you to our affiliated disability. If you hire that lawyer, we may remain involved on a co-counsel basis, but the affiliated lawyer is the primary lawyer for the lawsuit.