Denied Disability by Manulife in Ontario
We have had many clients who have Manulife complaints, that had LTD insurance with Manulife and then reported getting their long-term disability claim denied or cut-off by the insurer, much to their surprise. Some stated the reasons for refusals were insufficient medical evidence, or a claim they could hold another type of work because total disability tests had changed.
We understand the frustration and stress such a situation can create for you.
Unfortunately, many people will not contest the initial decision after Manulife has denied their claim for disability benefits. Insurers often deny claims with the hope people will not appeal, or don’t know how to build a strong case to prove their disability benefit claim.
Let’s examine what you need to know when insurers such as Manulife Financial deny your claim and what you can do about it using the Manulife appeal process.
Leaders in Disability Law with Over 1575 Claims Settled
Common Reasons Why Manulife Might Deny Your LTD Claim
Regardless of the reason of Manulife’s denial, you can still get the decision reversed using Manulife’s appeal process if you build a winning case and a court decides in your favor. You will most likely need the help of a seasoned Toronto-area disability lawyer who has previously challenged Manulife’s denials to prove your case and navigate the legal system efficiently.
About Manulife Financial: originally called the Manufacturers Life Insurance Company, is a leading Canadian financial services and insurance company. Manulife offers short-term and long-term disability insurance policies, such as the ProGuard, Venture, Synergy or Personal Accident insurance plans. While many people have subscribed to their policies through group insurance offered by their employer, some plans are offered directly to business owners or can be subscribed to by individuals.
5 Tips for Appealing a Denied LT Disability Insurance Claim by Manulife
A denied LTD insurance claim by Manulife is not the end of the game. Long-term disability claims are routinely denied by insurance companies. In most instances, you should use the appeal process to fight your case. However, it’s important to do it right to preserve your credibility and build a winning case. A Toronto-area long-term disability lawyer from Himelfarb Proszanski can help.
Here are 5 tips to steer you in the right direction.
(click on each Tip title to view details)
Tip #1: Make sure to obey the timeline for appeal
Tip #2: Review the details mentioned in the denial notice
Tip #3: Understand the terms & “fine print” of your policy
Tip #4: Choose the right appeals process for your situation
Tip #5: Get legal help from a seasoned LTD Lawyer
Denied or Cut-Off Disability Benefits?
Over the last 20 years, David Himelfarb and his team of Disability Insurance legal specialists have helped people facing serious disabilities recover their benefits from almost all active disability insurance companies in Ontario.
Substantiating your disability to prove you are unable to return to work can be extremely challenging. The complexity of the legal system, the specifics of each insurance’s disability policy, its fine-print and the procedural requirements, all these erect a tall wall between you and your benefits. You need an experienced disability lawyer well respected by the insurance companies to overcome the hurdles and secure your disability benefits asap.
OUR CLIENTS
What They Say About Us
"I had a client who got in an accident and was severely injured. Mr. David Himelfarb took her case and he not only provide her many health services throughout two years from the insurance company but his team was always there for client to support her with all kind of information related to her case. They took all the stress of dealing with the insurance company away so she could focus on healing physically and emotionally. With the good experience and two years of hard work of Mr. Proszanski and his team, my client finally got a fair settlement from the at-fault driver. I highly recommend everyone to Mr. David Himelfrab and his law firm."
Shireen Abbasi
"My mother had hired this firm after struggling for her disability claim. Mena Brar and Silene were really helpful and brought us the best. I would recommend hiring based on my mother's experience."
Harvir Ghag
"First and foremost David believed me ie that I was mentally unfit to work. It is not an easy concept. He made it clear to RBC. David supported me throughout mediation and I received much more than anticipated. Thank you so much."
Joanne Berg
"Rosa was my Lawyer and she was amazing through the entire process. When dealing with a disability claim the claimant is so emotionally attached to every aspect, that it's imperative to have an empathetic but firm counselor and that's exactly what Rosa was for me!! She guided me and kept me informed the entire time and never made me feel like I was bugging her should I have a question or 10 questions. Although the subject on which I needed to hire this law firm was not awesome, the law firm itself was!!"
Kim S.
“We started our disability claim with a lawyer who looked good on paper, but was completely ineffective. We sought out David after a year of getting nowhere but into debt. David settled our case efficiently and fairly. His office held my hand through the difficult proceedings and always left me feeling supported. I'm so grateful for Katherine, David, Maritza, and the many others who helped us along. (...) I can now focus on healing again and put the stress of the battle behind me. I have already personally recommended this firm to a friend.”
Lucy Goddard
“Compassionate during stressful times, and performance focused. My outcome was far better than expected and has allowed me to get on with my life. David is a very sharp lawyer and obviously very experienced. Hopefully I don't have another accident, but if I did, I'd use them again.”
Marc Nicholas
