Long Term Disability Lawyers Richmond

A long-term disability qualifies you for disability benefits in BC if you cannot work. Unfortunately, the Canada Pension Plan or Workers Compensation can deny an applicant benefits even if they’ve paid for coverage. Whether it’s a long-term disability, Canada Disability Pension, or WCB Pension benefits, if this sounds like you, we want to talk.

long-term disability lawyer in Richmond offers a free initial consultation and can provide guidance on how to move forward in appealing a denial and ensuring you receive the entitlements you are rightfully owed.

Why Hire a Disability Lawyer in Richmond

Many people suffer from illnesses and injuries that make it impossible for them to work. They have every right to receive long-term disability benefits, but insurance companies often reject their claims. Insurance companies use several deceitful tactics to deny or delay claims. Some of the unfair practices include changing the disability requirements, unreasonable wait times, and failure to disclose policy terms. An experienced long-term disability lawyer will provide invaluable support with every step of the way to help you to avoid these pitfalls.

If you are filing a disability claim in Richmond or your claim has been denied, our lawyers at Gertsoyg & Company will handle all the legal negotiations and bureaucratic procedures as you focus on your health and wellbeing. A lawyer will make your claim stronger. Their main duty is to gather the necessary evidence to increase the chances of your claim approval.

Our lawyers at Gertsoyg & Company will help you interpret the claim document to determine what disability means. This will help you determine whether your condition meets the definition of a disability.

A lawyer will assist you with the claim forms and review your medical records. They will also file your application on time, and in case of a claim denial, a lawyer will submit an appeal promptly. A lawyer offers guidance and counselling throughout the application process to help you bypass common loopholes and traps. With the help of a lawyer, your claim will potentially be approved faster.

Insurance companies often take advantage of unrepresented claimants; they can easily deny their claims without adequate reasoning. Having a long-term disability lawyer forces the insurer to take your claim seriously.

Long Term Disability Insurance Works

Long-term disability, or LTD, is an agreement that provides financial assistance in the event the insured is unable to work due to an accident, illness, or injury. Long-term disability is designed as a peace of mind contract and a form of income replacement. There are both private and group insurance plans available with this included.

How you qualify for long-term disability benefits is by making a claim with evidence that demonstrates you can no longer perform your duties in your occupation.

Why applicants are denied often is centred on the lack of medical proof of a disability. Long-term disability lawyers are well familiar with the tactic and can aid you in being assessed by the right physicians and specialists. When you come to appeal your denial, you will be ready with independent medical testimony and all evidence required to prove your disability and secure yourself the benefits you are owed.

Long Term Disability Insurance Claims

Long-term disability insurance is there to protect you if you become disabled and are no longer able to work. The compensation is often 60-85% of what you were earning, often with limits on amounts paid overtime.

A lot of extended healthcare plans have LTD benefits; however, a lot of insurers deny a percentage of applicants in an effort to pay out less. Insurers are banking on applicants accepting the denial, not appealing it, and simply going away. Hiring a long-term disability lawyer in Richmond is one way for someone who has been denied to battle back.

If you have been wrongfully denied, speak with a lawyer. In addition to receiving the disability benefits you’ve been denied, you may also be eligible to make a claim against your insurer for breach of duty to treat applicants with utmost good faith, and you may be eligible for punitive and/or aggravated damages.

Life, Accidental Death, and Dismemberment Insurance Claims

A life insurance policy is an agreement wherein an insured makes premium payments, and the insurance company then pays out a lump sum to the beneficiaries, sometimes referred to as the ‘death benefit’, after the insured’s death.

Mortgage Disability Insurance Claims

A lot of lenders require mortgage applicants to take mortgage disability insurance. This covers mortgage payments to the lender in the event that the applicant becomes disabled. This gives your bank or lender peace of mind in knowing they will continue to receive payments from insurance even if you are disabled from work and unable to pay them with the income you receive.


If you choose to retain us, you will pay no fees from your pocket.

Fee Structure

Mortgage Disability Insurance Claims:

Many lending institutions require you to have this policy. The plan pays the bank if the insured becomes disabled and is unable to work.

House Insurance Coverage Claims:

House insurance covers damage to property, caused by fire, flood and other eventualities, and pays for the cost of replacement, reconstruction or repair of property affected by fire, flood or other types of  damage, listed in the insurance policy.

In many of the denials of disability, life, mortgage and house insurance policy, the insurance companies blame the victim. They make allegations of misrepresentation, they claim non-payment of premiums, and they deny compensation based on exclusion loopholes. Sometimes, they even hire private investigators to spy on the very people they promised to help in their time of need. To paraphrase Mark Twain, an Insurance Company gives you an umbrella when the Sun is shining and takes it away when it starts to rain.

If you are denied benefits, you are usually given only 1 to 3 months to appeal the decision in writing, and 1 year to commence court proceedings. As such, it is important to contact a lawyer quickly to obtain a free initial consultation.