Disability Insurance
Claim Denials

STACEY REGINALD BALL

82 SCOLLARD STREET TORONTO, ON, M5R 1G2

Call:(416) 921 7997 Ext. 225     Email:srball@82scollard.com

STACEY REGINALD BALL

Featured by as most frequently recommended employment lawyer.

It can be very stressful to navigate disability insurance, either long term disability or short term disability

A Denied Claim

​Appealing The Decision

If your insurance claims are denied, it is best to consult a legal professional with experience and knowledge to explore all of your options, as insurance companies can flood you with many complicated documents. A denied claim may force an employee to make the difficult decision of returning to work, even if they do not feel physically or mentally able to do so. Although this may not be an ideal situation, the employee can seek accommodation upon returning to work. Employers are required to accommodate employees who have a disability, whether physical or psychological. This duty is derived from either the Ontario Human Rights Code or the Canadian Human Rights Act. Common accommodations include minor changes to the physical work environment, changing the job requirement or changing the shift schedule. Employers have a duty to accommodate up to the point of undue hardship, which is actually a very high threshold where the employer suffers economic damage.

If your claim is denied, the insurance company will often include information about appealing the decision. Note that this is usually an internal review, so the insurance company’s decision will often stay the same. It is important to be aware of the potential delay that appealing the decision can have on your case. There are very strict time limits on when you can commence a lawsuit against the insurance company, and appealing the decision could push you very close to those time frames.

​If your disability insurance claim has been denied, please contact Ball Professional Corporation as soon to understand your options whether that is moving to have your benefits reinstated as quickly as possible, seeking accommodation in the workplace or commencing a civil lawsuit.
Please note that the above information does not constitute legal advice. It is general information about the law. If you require legal advice with an employment issue, please contact the experts at Ball Professional Corporation.

CONSULTATIONS

Featured Publications

Canadian Employment Law

Mr. Ball is author of the authoritative and definitive text Canadian Employment Law - published by Canada Law Book (a division of Thomson Reuters). The text is used and cited by lawyers, law schools and judges across Canada.

To order Mr. Ball's Canadian Employment Law please visit the Carswell Store by clicking here or on the button below.

CLIENT REVIEWS

“ Stacey Ball is the ultimate in employment lawyers. He got me an excellent settlement and I referred him to fellow long term employees whom I know were very happy in their outcome. I cannot recommend him enough; his name alone will give you clout. This is the guy who wrote the book. He is the best. ”
- John Cunningham, Toronto, ON

“ I was strongly advised by another client to see Stacey Ball. At the initial consultation I found Stacey to be very candid, honest and confident. He was very knowledgeable and upfront about reasonable expectations. He acted quickly on my behalf, which resulted in a fair settlement. I would recommend Stacey to anyone who wishes to use a pro, who knows the law, and is the best employment lawyer in the business. ”
- Todd Kemp, Oshawa, ON

“ I would highly recommend Stacey Ball as an employment lawyer. He was honest, hard working on my behalf and obtained an excellent settlement. I found him to be the top and best employment lawyer I could have obtained. ”
- Lou T. Richmond Hill, ON

“ Stacey Ball is the best employment lawyer you can have on your side in Toronto. There is no employment lawyer representing employees with a stronger track record than him. In my experience, he gets the results that meet your needs, even against the most stubborn employers. Had I not gone with Stacey, I would have gotten nothing because that was what my employer insisted on until he intervened on my behalf. He is the best and top employment lawyer. ”
- James Yu, Toronto, ON

“ I first used Stacey over a decade ago to review personal and business employment contracts. Stacey is arguably the best employment law lawyer in both Canada and south of the border. His intimate knowledge of the law is second to none. He is readily available for any situation which requires a quick, frank and authentic response. I would highly recommend him for both individuals and organizations alike.​ ”
- Antoinette St. Angelo, V.P. & Director of Production Services, Toronto, ON

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