Group Insurance Claims
Support for Your Denied or Rejected Group Insurance Claim
Group policies are offered via an employer, guild, union, or professional association as part of a group benefits plan within a broader group plan. Some are automatic with employment, while others must be opted into. Confirm with your employer that you are a plan member, and review the benefits booklet so you know how your disability insurance works.
Group policies provide own-occupation coverage for a specified period before coverage switches to any occupation. The major difference is the definition of total disability that determines if a claim is approved or continued.
“Own occupation” coverage refers to your ability to discharge the duties of your job. The coverage extends for a specified period before it switches to any occupation coverage. Any occupation coverage refers to your ability to fulfill the functions of a role for which you are considered qualified.
Get Help With Your Group Insurance Plan Claim
Ottawa Disability Lawyers has a team with deep experience helping clients in long-term disability matters and related group benefits claims. We are experienced in how insurance companies operate. Therefore, we anticipate any steps taken to deny or terminate a claim and prepare appropriately. Because of that insight, we anticipate their moves and prepare strong, evidence-based responses that protect our clients’ rights from the start.
Every disability claim is different, and we treat it that way. We also advise on related issues such as a health and dental claim, what counts as eligible expenses, or how to submit claims under a spouse’s plan to reduce out-of-pocket expenses. These matters often fall under group insurance claims, where multiple benefits, including disability, medical, and accidental death coverage, intersect within one policy. Our team will help you understand how these benefits work together and to hold the insurer accountable when they fail to honour their full obligations.
We start the process with a free consultation to review your situation and outline the next steps toward securing your benefits.
Contact Ottawa Disability Lawyers Today
