Disability Insurance Lawyers

Our recommendations are extensive and can range from suggesting obtaining an independent medical opinion, presenting a review request for your decision to your insurer on your behalf, attempting to settle your dispute amicably, filing a civil lawsuit against your insurer, taking your case to court, etc.

We can offer you creative solutions tailored to your reality! Looking for a lawyer with a human approach?

Here are examples of cases frequently handled by our lawyers specialized in insurance law:

Case 1: Disability from any gainful employment

Has your insurer stopped paying your disability benefits after a two-year period, claiming that you’re able to perform a job other than the one you held before your disability? Is your insurer trying to convince you that your functional limitations, your injury and/or illness, aren’t severe enough to prevent you from holding any gainful employment?

Know that several criteria must be weighed and that it’s not as simple as it seems!

You didn’t pay disability insurance premiums to return, after 2 years, to just any paying job unrelated to your previous employment history. Even if your doctor recommends career reorientation, this doesn’t automatically mean you’re no longer entitled to your disability insurance benefit payments.

There are two types of disability: medical disability and so-called “legal” disability. It’s with this latter concept that our lawyers specialized in insurance law work.

Indeed, to know whether you’re able to perform remunerative work or not according to your insurance policy, one must consider your education, your role, your work experience, and a compensation comparable to your pre-disability income or established according to your contract, etc. We can offer you creative solutions tailored to your reality!

Looking for a lawyer with a human approach? We are here for you!

Come meet with us and our lawyers can analyze your case accordingly.

Case 2: Illnesses with limitations difficult to objectively evaluate

Your insurer refuses to recognize your disability because your functional limitations are subjective? You suffer from chronic fatigue, adjustment disorder, professional burnout, depression, Lyme disease, fibromyalgia, head trauma, or migraines? Indeed, we have encountered many situations of this kind where insurers refuse to pay disability benefits on the grounds that the health condition isn’t severe enough. We have solutions to explore with you!

Case 3: Critical illness insurance

You pay premiums for critical illness insurance that promised to pay you compensation if you became afflicted with an illness covered under the contract? Now the diagnosis has come in and the insurer refuses to cover the expected amount because your illness supposedly doesn’t correspond to the exact definition written in your contract? Our lawyers can help, support and represent you in this situation!

Case 4: Disability insurance

The insurer refuses to pay your disability benefits and cancels your contract based on omissions or false declarations? Be careful, because if the insurer wants to obtain the cancellation of your insurance contract, they must demonstrate that they would never have agreed to insure you if they had known the alleged exact circumstances.

Civil Liability

There are three elements that make up civil liability:

• Fault:
  It is essential to demonstrate that a fault was committed in order for you to receive compensation for your damages.
  This fault stems from the notion of a breach of the general duty of care, through an act or omission, that a prudent or diligent person would not have committed.
• Damage:
  The damage can be material, bodily, or moral. It doesn’t serve to enrich you, but rather to compensate you according to the actual damage suffered.
• Causal link:
  A causal link must be established between the fault and the damage, according to the balance of probabilities rule.

Civil liability claims require a thorough investigation of each constitutive detail of the event or accident. It can prove difficult to properly prove all elements of one’s claim. The specialized lawyers at SLOGAR Juriconseils are here to help you.