Across Ontario and beyond, more people are facing disability claim denials from their insurance providers. For individuals already coping with serious health challenges, these refusals add another layer of stress. Brenda Hollingsworth, Co-Founder of Auger Hollingsworth Accident & Injury Lawyers, has seen the trend up close: insurers are rejecting claims at higher rates, leaving many Canadians without the benefits they thought were secure.
Hollingsworth explains that financial pressure is one driving factor. “When the economy is tight, insurers often look for ways to cut costs, and one of the easiest ways is to deny claims,” she says. “But disability policies are contracts. People have paid into them to have peace of mind. The economy should never change the insurer’s obligation to pay.”
Why LTD Denials Are Rising
The increase in denials first became noticeable during the pandemic, particularly in cases involving long-COVID. Despite mounting medical evidence, insurers have often dismissed these claims. Even more troubling, Hollingsworth notes, are situations where an adjuster recommends approval but a higher-level decision-maker reverses it. This points to denials being motivated more by financial considerations than medical facts.
For those already managing debilitating conditions, these denials are deeply unfair. They can delay treatment, strain finances, and leave individuals feeling abandoned by the very systems meant to support them.
The Power of Legal Advocacy
When a claim is denied, many assume there is no further recourse. In reality, this is often just the beginning of the process. Insurance companies frequently rely on their own medical consultants—doctors or nurses who never meet the claimant but review paperwork from afar. Their assessments can contradict treating physicians, giving insurers a basis to refuse payment.
This is where a skilled disability lawyer makes a critical difference. Lawyers review the policy language, gather detailed evidence, and challenge flawed or biased medical opinions. Hollingsworth explains, “We understand how insurers operate, and we’re not afraid to challenge them. Whether it’s through negotiations or in court, we build cases that force companies to honour their commitments.”
Protecting Your Rights and Benefits
Facing an insurance company alone can feel overwhelming. With an experienced lawyer by your side, you have both an advocate and a shield. Instead of being left without support, you gain a fighting chance to secure the long-term disability benefits you’ve paid for and truly need.
Insurance denials are on the rise, but injured Canadians don’t have to accept them as the final word. With the right legal guidance, you can push back, hold insurers accountable, and focus on recovery rather than financial strain.
