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How do I challenge a disability insurance claim denied by Manulife?

Remove the stress you and your family are experiencing due to a denial by the insurance company.

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Disability Claims
Long-Term Disability
CPP Disability Benefits

Don’t delay discussing your matter with us to find out how to build a winning case.

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You don’t pay us unless we win your case. No Out of pocket expenses required.

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Seriously Injured? Denied Disability?

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Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

Denied Disability by Manulife in Ontario

Manulife denied long-term disability benefits

Have you had your Manulife short-term disability claim denied? Or perhaps your long-term insurance claim? We have had several clients subscribed to a LTD insurance policy 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. You might be wondering what to do if your Manulife long-term or short-term disability claim in Ontario has been denied. The first thing to understand is that you have the right to appeal the decision.

We understand the frustration and stress such a situation can create for you, and often get asked for help with Manulife’s appeal process.

Unfortunately, too few people know about leveraging an appeal process, and will not contest the initial decision after Manulife has denied their claim for disability benefits. Insurers often deny claims, for both long-term and short-term benefits, with the hope people will not appeal, or don’t know how to build a strong case to prove their disability benefit claim.

Here’s how Himpro can help you when you have had your Manulife short term or long term disability claim denied. We’ll 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.

Manulife Long-Term Disability Benefits: What Happens After 2 Years?

If you hold a private disability insurance, you are covered by its policy and should receive short-term disability benefits over the first 2 years of being unable to perform most of the duties of your “own occupation“, i.e. the occupation you held prior to becoming disabled – typically the work that you have experience and/or were trained to do.

At the 24-month mark, a Manulife LTD claim gets more complicated: your policy will require you to be “totally disabled“, meaning unfit to perform “any occupation“, which Manulife will often contest and hence deny your LTD claim by cutting-off your long-term disability benefits. Building a winning case requires gathering evidence that your disability qualifies as a Total Disability.

Can You Win Manulife's Internal Appeals Process?

If you want to challenge the decision of a Manulife short-term or long-term disability claim being denied, Manulife prefers you follow an internal appeals process; First through one of their customer service managers, and if you are still unsatisfied with the outcome, through Manulife’s internal ombudsman, who gives substantive reviews to ensure the company’s rules and processes were followed when assessing your claim to your policy’s long-term disability benefits.

Checking-off all the requirements of “total disability” in the eyes of Manulife is typically a difficult task, and it will be up to you to have persuasive evidence for either the ombudsman or the court. An experienced disability lawyer knows how to build a strong case for your Manulife’s appeal process, i.e. what evidence to gather and which experts to leverage to reclaim your benefits.

Common Reasons Why Manulife Might Deny Your LTD Claim

  • Insufficient Evidence
  • No Objective Evidence
  • Pre-Existing Condition
  • Policy Exclusions
  • Contractual Eligibility
  • Misrepresentation on the Insurance Application

Regardless of the reason of Manulife’s denial of your long-term or short-term disability claim, 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.

Timing your Manulife long-term disability appeal is crucial for success: there is a 2-year window to file a claim in court, which starts when the applicant receives a “clear and unequivocal denial” of the claim from Manulife. There is also an internal appeal timeline to obey, which can vary depending on your Manulife disability insurance plan.

It’s important to gather as much evidence and information as to why your claim has been denied when working through the appeal process. You can also ask Manulife to see your insurance claim file and any other documentation your insurance company may have about your claim.

Trying to defend your rights to receive disability benefits and engaging in a legal case can be intimidating and stressful, on top of the disability issue itself. Our team fully understands this and will support you from the start. From our first contact, our immediate goal is to relieve the stress you and your family are experiencing due to a denial by the insurance company. We also understand you want us to be responsive to your enquiries and be kept up to date along the process. For us, you are NOT a number, and we will treat you with full respect for your person and situation, while providing the best legal representation possible.

If English is not your first language, we provide professional translators to assist you in this process, which will limit the stress due to language barriers.

After Manulife denies your long-term disability benefits, you have 2 options to ask the insurer to reconsider their decision: an internal appeal process within Manulife, and an external appeal process done outside the insurance company, through tribunals or courts. It’s critically important to choose the right process, which depends on your specific situation. An LTD lawyer who has challenged Manulife’s denial decisions successfully can help you make that choice.

Timing is Critical. Help is Free.

Recover Your Disability Benefits

Denied or Cut-Off? Don’t wait. Time is of the essence to recover your benefits.
Book a Free Claim Assessment now with our disability lawyers by completing the form below.

Please enable JavaScript in your browser to complete this form.
Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

Timing is Critical. Help is Free.

Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

OUR CLIENTS

What They Say About Us

Sherene AlySherene Aly
16:02 23 Mar 24
I was very pleased with my decision to retain David and his team for my case. Melissa Gizzo was simply amazing and was able to secure a fair settlement for me.
T TT T
17:46 16 Feb 24
Experienced and excellent law firm. Their lawyers are wonderful, articulate, dilligent, amicable, calm, respectful, responsible, resourceful and have good human and customer relationships Especially DAN HOLLAND 👌 He is an amazing lawyer as regards dealing with any of the Accident case.I was involvedIn an accident in 2019 February. He was God sent as he dutifully and relentlessly worked hard until the case was settled
LizLiz
22:43 18 Jan 24
I highly recommend Dan Holland as a disability lawyer. His commitment to my case made the process seamless. Dan's clear communication and ability to simplify complex legal matters made it easy for me to understand every step. He demonstrated genuine concern for my best interests, making him not only a skilled attorney but also someone easy to talk to.Dan’s support extended beyond legal expertise; he alleviated my stress during the long-term disability case. His calm approach and unhurried demeanour ensured that there was no rush in our collaboration. This, coupled with his dedication, made the entire experience more manageable, fostering confidence in his ability to handle the case with meticulous care.I wholeheartedly endorse Dan for anyone seeking a lawyer who not only gets results but also prioritizes your peace of mind.
Neeshanth SritharanNeeshanth Sritharan
21:49 01 Jan 24
My mom was involved in an accident impacting her daily life and ability to work. Dan Holland has worked with us during the duration of our case and has been helpful in fighting for her and supporting us, and organizing the things we needed. Our family is incredibly grateful of the outcome Dan was able to obtain for us. I would highly recommend him!
Faiza HamidFaiza Hamid
01:26 22 Dec 23
I'm so happy I chose Mena Brar and her team represet us . We could not ask for a better team she is so kind, loyal, and honest. she spoke to me as an equal and made me feel as if my case was definitely important and that I deserved to be fairly compensated. I appreciate you. Did it for me and how this will help me get back on track with my life. keep helping others. You are doing amazing works, Mena Brar. I wish you all the best.
Brenda FurtadoBrenda Furtado
23:38 12 Dec 23
Many thanks to Silene Malhao for settling my husband's TORT claim and to Mena Brar for settling his accident benefits claim. These ladies made themselves available any time we had a question. They were very understanding and compassionate. We were completely taken care of throughout this process. We would definitely recommend this team to friends and family!
ShaunaShauna
15:52 06 Dec 23
We are so happy that we had David and his team represent us. We couldn't have asked for a better team. Not only is David incredibly skilled and experienced, he is kind and compassionate and it is clear how much he cares for his clients. Megan was also absolutely amazing to work with and was always on top of everything and there to answer any questions we had! Thank you!
Andrew CoutoAndrew Couto
23:10 21 Nov 23
I'm so happy I chose David as my lawyer. I spoke to a few lawyers before finding David and I noticed majority of them spoke to me in a way that felt demeaning or that my case wasn't big enough or important enough to take. One phone call with David and my opinion on lawyers changed. He spoke to me as an equal and made me feel as if my case was definitely important and that I deserved to be fairly compensated. The whole process was wonderful. From dealing with David's law clerk Ingrid whom is an amazing and kind woman to his legal assistant Melissa whom is another amazing kind and talented young woman. I was so stressed about this case but from day 1 they helped ease that stress and always answered all my questions promptly and respectfully. I couldn't believe David got me to mediation within 6 months of being cut off my LTD and got me a settlement way beyond my expectations. I can't say enough good things about this law firm but I guarantee you that if you need a lawyer to fight for you David is your guy! . Believe me when I say this is the law firm for anyone dealing with personal injuries especially LTD denial claims. Thank you so much to David, Ingrid and Melissa you truly don't know how much I appreciate all you did for me and how this will help me get back on track with my life. Keep helping others you guys are doing amazing work! I wish you all the best!
Rose RegazziRose Regazzi
21:15 11 Oct 23
I sustained a relatively painful injury, affecting me long term.I wouldn't otherwise had pursued it, as it involved a relatively large corporation, but felt it necessary to do so. However, many lawyers were daunted, with one, who actually referred me to HIMPRO.I was connected with Dan Holland, who reviewed the case, provided with me realistic expectations, sound advice and had a willingness to move forward and represent me.His calm and professional demeanor, brought me to a place of reassurance. His ease in addressing all facets of this process, clearly demonstrated a wealth of experience. There was never any hesitation, when being challenged, and felt my best interest was always in the forefront.This case has since been resolved, to my complete satisfaction.Without reservation, HIMPRO (and Dan Holland, in particular), would be the only firm I would recommend for these type of cases.
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HIMPRO is a leading law firm with full service personal injury and disability insurance lawyers. We have been recognized by Best Lawyers and assigned the highest rating, AV Preeminent, from Martindale-Hubbell. We provide a combined century of trial experience which has led to the successful settlement of over 10,000 cases with combined settlement value in excess of 3/4 billion dollars. Our mission is to win your case. At HIMPRO by Himelfarb Proszanski LLP we build winning cases. That’s the HIMPRO Advantage™.

LOCATION

Toronto Disability Lawyers
480 University Ave
Suite 1401
Toronto ON
M5G 1V2
(416) 599-8080

Brampton Disability Lawyers
2 County Ct Blvd
Suite 400
Brampton ON
L6W 3W8
(905) 595-6760

Hamilton Disability Lawyers
1 Hunter St E
Ground Floor
Hamilton ON
L8N 3W1
(905) 777-8002

Kitchener Disability Lawyers
22 Frederick St
7th Floor
Kitchener ON
N2H 6M6
(519) 772-7659

Oshawa Disability Lawyers
21 Simcoe St S
Oshawa ON
L1H 4G1
(289) 634-5554

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