Disability Claim Denial Lawyers in Victoria, BC

Experienced Lawyers Fighting for Your Disability Benefits ​

Have you been diagnosed with a serious medical and/or mental health challenge? Have you sustained a serious bodily injury that is preventing you from working, or, has your claim for disability insurance benefits been wrongfully denied? Or, maybe your disability benefits were discontinued before you were released to go back to work by your doctors? If any of these scenarios sound familiar, our expert team of disability claim lawyers at Acheson Sweeney Foley Sahota, LLP can help.

Litigating Your Wrongful Denial of Disability Benefits in BC

Disability insurance helps protect you against the financial impacts of not being able to work. In their time of need, many British Columbians will turn to various disability insurance benefits to support themselves and their loved ones. Unfortunately, most of those who apply for assistance will be denied the benefits they are entitled to.

At Acheson Law, our experienced lawyers can help you attain the benefits you’ve been wrongfully denied. Our practice areas include long-term disability insurance, provincial disability benefits, and CPP disability appeals, for claimants in Victoria and throughout the province of British Columbia.

Long-Term Disability Lawyers, On Your Side

If you have sustained a long-term injury and are now unable to work, you may suffer personal and financial hardship as a result. Long-term disability benefits (available through your BC employer) are designed to alleviate that hardship.

Long-Term vs Short-Term Disabilities – What’s the Difference?

Long-term disabilities (LTD) are defined as injuries that last longer than one year; anything less is commonly referred to as a short-term disability. The standard policy may cover anywhere from half to three-quarters (or more) of an employee’s missed wages. This percentage is based on the worker’s pre-disability income. Furthermore, coverage may be available for a specified number of years: until the individual returns to work, the disabled employee reaches 65 years of age, or the individual no longer meets the definition of ‘disability’ under their benefits plan.

Providing Evidence in Long-Term Disability Claims

In this context, being disabled means your physical or mental condition stops you from performing most of the tasks of your job. This is why to help prove that your condition qualifies for long-term disability benefits, your doctor will be asked to provide medical information to prove that you are disabled, such as:

  • Lab Results;
  • Surgery Records;
  • Clinical Notes;
  • MRI Results;
  • X-Rays; or
  • Other Treatment Provider Records

This information is used to determine if your condition is a medical illness covered by your benefits plan agreement. If your claim for long-term disability is denied, this may be due to incomplete information, unclear diagnosis, or improper treatment according to the insurer’s standards. However, you have the right to appeal this decision; we can help you prove that your absence from work is medically justified.

Your Long-Term Disability Benefits Have Been Denied – What’s Next?

By law, insurance companies are required to put a denial of benefits in writing. If you’ve received a denial of benefits letter from your LTD insurer, don’t lose hope; if your doctor says you are disabled and you cannot work, the insurance company is obligated to pay out your claim. If you have a legitimate claim, it is possible to collect the compensation you are entitled to from your insurer.

If you have received a denial of benefits letter we strongly recommend that you seek the assistance of a disability lawyer immediately. If involved early on, our team of lawyers can lay the foundation needed to appeal your claim to the insurance carrier, negotiate a settlement, or take your case to court.

Needing Personal Advice from a Long-Term Disability Lawyer?

Fighting for Your Provincial Disability Benefits in BC

Has your application for Provincial Disability Benefits been denied? Were your benefits reduced or terminated? Or, do you disagree with a decision made about your employment plan? Our lawyers are here to help. If you are a Person with Disabilities (PWD) who has been denied financial assistance or health support by the province, and you still believe you should be eligible, Acheson Sweeney Foley Sahota, LLP can assist you by requesting a reconsideration of that decision.

To Be Eligible for Provincial Disability Benefits:

You must be at least 18 years of age;

Have a severe disability that can be expected to last for at least 2 years;

Your disability must directly compromise your ability to perform regular daily activities; and

You require daily assistance with regular living activities from another person, an assistive device, or an assistant animal

Reconsiderations and Appeals for Provincial Disability Benefits

A request for reconsideration must be made within 20 business days from the date you received your original decision. A reconsideration office will review your case and make a decision.

The ministry’s reconsideration decision will set out the reasons why you were denied or found ineligible. If you disagree with the reconsidered decision, you have 7 business days to appeal it. If you have any doubts about whether your decision is appealable, please contact us.

Appeals go to a quasi-judicial agency that is independent of the government. After the appeal hearing, the ministry’s reconsideration decision will either be confirmed or rescinded. If the decision is rescinded, you will have been successful in your appeal.

This decision is final. However, either party to the appeal may file a Petition in the B.C. Supreme Court requesting a review of the decision by a judge. An application for judicial review of the final decision must be commenced within 60 days of the date the decision was issued. It is helpful to have the assistance of a lawyer in this process, and we have the expertise to help you.

Why Choose Acheson Lawyers for Your Disability Claim:

Acheson Law Only Represents Plaintiffs: This is all we do, and we are good at it – we never represent defendants or insurance companies

Our Fees are Contingent: We understand legal fees are expensive, and we don’t want this to prevent you from attaining justice. We only get paid once a claim settles and only if our client is successful – so you don’t have to worry about paying us while we work for you

We Offer Free Consultations: We are happy to discuss your potential claim, answer any questions you have and provide you with your legal options and our opinion – meet our lawyers

We are a Firm with Full Virtual Capabilities: While our office is located in Victoria, we regularly utilize technology to represent clients who live all over British Columbia.

Meet with Experienced Disability Claim Lawyers, Ready to Help Those in Need.

Book a No-obligation Consultation Today

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Canadian Pension Plan (CPP) Disability Claims

CPP Eligibility Criteria – Do you Qualify?

To qualify for Canada Pension Plan (“CPP”) disability benefits, you need to meet three basic criteria. You must (1) be under 65 years of age, (2) have made the required amount of contributions to CPP in the years before you became disabled, and (3) have a “severe and prolonged” disability as defined in the legislation. If your application for CPP disability benefits has been denied, you have the right to appeal.  Acheson Sweeney Foley Sahota, LLP can help you with this process.

Appealing Your CPP Disability Denial

The first step in the appeal process is the reconsideration request. Before preparing your request for reconsideration, it is very important that you have a clear understanding of why your application was denied. The denial letter will set out specific reasons why you do not qualify. The most common reason people are denied is that the Ministry does not accept that the applicant’s disability is sufficiently severe and prolonged. Occasionally an application will be denied because the applicant has not contributed enough, or because the applicant did not apply for disability benefits soon enough after becoming disabled.

A request for reconsideration must be made in writing within 90 days of receiving your denial letter. On reconsideration you are allowed to provide new information that you think will help your case, such as letters from your doctor and other health professionals that address the reasons why your application was turned down. You can also include letters from family or friends who are familiar with your medical condition. The review of the reconsideration can take several months. If you are successful and your denial is overturned, you could receive a lump-sum payment, as well as monthly CPP disability benefits.

If your request for reconsideration is denied, you have the right to appeal your CPP disability claim. The appeal must be submitted within 90 days of receiving the results of the reconsideration. There may be a number of reasons why your appeal was not successful. You will need the advice of a lawyer to find the best way to proceed, and we have the expertise to assist you.

Parter With a Team of Lawyers You Can Trust

As part of our commitment to assisting and empowering disabled individuals, we offer free, confidential consultations by telephone, in-person or by video conferencing. Although our practice is located in Victoria, we represent clients throughout BC. Please feel free to contact us directly by email or telephone if you need our assistance or if you have any questions about CPP Disability appeals or another type of disability insurance claim.

We are here to help and will stand by your side as your advisor, advocate, and negotiator. Book a free consultation today.

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