Is your insurance company refusing to pay? Jiwa Law Corporation helps British Columbians recover the benefits they deserve.
If you are suffering from a chronic illness or a severe injury, receiving a disability denial letter can feel like a secondary trauma. You have paid your premiums and followed the rules, yet your insurer—whether it be Sun Life, Manulife, Canada Life, or Desjardins—has turned their back on you when you are most vulnerable.
At Jiwa Law Corporation, we expertise in overturning denied long-term disability (LTD) claims. For over 17 years, our legal team has served the Vancouver and Surrey communities, providing aggressive yet empathetic representation to ensure the “peace of mind” you were promised becomes a reality.
Contact our BC disability denial lawyers today at 604-568-9444 for a free, no-obligation consultation.
Common Reasons for a Denied Disability Claim in BC
Insurance companies often use “boilerplate” reasons to reject claims. Understanding their tactics is the first step to a successful appeal. We frequently see denials based on:
- Lack of “Objective” Medical Evidence: Insurers often dismiss “invisible” illnesses like depression, PTSD, chronic fatigue, or fibromyalgia because they don’t show up on an X-ray.
- The “Own Occupation” vs. “Any Occupation” Clause: Most BC policies change definitions after 24 months. We help you prove that you cannot work any job, not just your previous one.
- Surveillance and “Activity Logs”: Insurers may use social media posts or private investigators to argue your disability is exaggerated.
- Independent Medical Exams (IMEs): These doctors are hired by the insurance company and often provide biased reports favoring a “return to work” conclusion.
Why You Should Skip the Internal Appeal
Many claimants believe they must follow the insurance company’s “internal appeal” process. However, this is often a strategy used by insurers to exhaust your energy and run out the clock on the limitation period in British Columbia.
By hiring a disability lawyer to file a legal lawsuit in the Supreme Court of BC, you shift the power dynamic. A lawsuit forces the insurance company to provide their full file and subjects their decisions to the scrutiny of a neutral judge.
Why Choose Jiwa Law Corporation?
When you are up against a multi-billion dollar insurance company, experience and resources matter.
Years of Litigation Experience
We aren’t just paper-pushers; we are litigators. We know how to build a case that stands up in court, using vocational experts and medical specialists to prove the extent of your limitations.
No Fees Unless We Win
We understand that if you aren’t working, you cannot afford expensive legal retainers. We work on a contingency fee basis, meaning you don’t pay us a cent unless we successfully recover money for you.
We Represent a Variety of Disabling Conditions
Whether your condition is physical or psychological, we have the expertise to handle your file:
- Mental Health: Depression, Anxiety, PTSD, and Burnout.
- Physical Injury: Spinal Cord Injuries, Traumatic Brain Injury (TBI), and Chronic Pain.
- Autoimmune & Chronic Illness: MS, Lupus, Cancer, and Long-COVID.
Take the First Step Toward Your Recovery
The insurance company has a team of lawyers working to protect their profits. You deserve a team working to protect your future.
Jiwa Law Corporation serves clients in Vancouver, Surrey, Burnaby, Richmond, and throughout British Columbia. Let us handle the legal stress so you can focus on your health.
