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Disability insurance

A contract of insurance is a contract whereby the insurer undertakes, for a premium or assessment, to make a payment to the client or a third person if a risk covered by the insurance occurs. (…)

Disability insurance lawyers protect you in case of disability, illness or injury

Every year, many people do not receive the insurance benefits they deserve, either because their insurer does not recognize the validity of their claim, or because the insurer makes changes that result in the termination of benefits. Bereavement, serious illness or incapacitating injury are difficult situations to live through, and it’s all the more challenging if your insurer refuses to honor your insurance policy and pay your benefits.

Trust MedLégal to help you understand all the terms, definitions and exclusions contained in your insurance policy and to act on your behalf to ensure that your insurance company honors the terms of your policy and pays you the benefits to which you are entitled.

Contact us today to get answers to your questions and to obtain legal assistance specific to disability insurance.

What is disability insurance?

Disability insurance offers financial protection in the event of physical or mental illness, or a personal injury that prevents you from working and generating an income. Whatever the nature of your disability – partial or total, temporary or permanent – this insurance is designed to provide you with a replacement income to support you through difficult times.

Disability insurance is distributed via tax-free monthly payments, allowing you to cover some or all of your living expenses.

Disability insurance plans can also be customized. For example, by adding a return of premium (ROP) rider to your long-term disability insurance policy, you can receive up to 50% of your annual premiums. By opting for a cost-of-living rider, you can benefit from an annual increase to your payments that will counter the effects of inflation.

Our Quebec health lawyers can guide you through the process of choosing an appropriate plan. Relying on their extensive legal expertise, they can help you understand what your policy covers and receive the benefits you are owed.

Our legal services can help you protect yourself financially and legally in the event of disability.


Did you know?

Even if you have disability insurance, you may still be eligible for benefits under public insurance plans.

For example, if your disability is the result of an accident at work, you could receive compensation from the Commission des normes, d’ équité, de la santé et de la sécurité du travail (CNESST).

If your health condition prevents you from holding any job permanently and you have contributed to the Quebec Pension Plan (QPP), you may be eligible for a retirement pension.

Depending on the terms of your insurance policy, your insurance benefits may be adjusted according to the amount you are entitled to receive from a public plan.

Benefits of hiring a disability insurance lawyer

When your insurance company violates your policy, our disability insurance lawyers are here to provide consultation and representation.

We carefully analyze your insurance policy, assess your specific situation and provide you with personalized recommendations.

We offer comprehensive services. By choosing us, you benefit from the far-reaching experience and knowledge of the experts at our Montreal health law firm. We will gather necessary information, retain relevant experts, negotiate with your insurer and, if necessary, take your case to court.


In addition to disability insurance, we offer other essential legal services in the fields of medical liability, health law, mental health law, human rights law and personal injury. MedLégal even offers health law training courses.

Count on MedLégal to UNDERSTAND the terms, definitions and exclusions of your insurance policy, and to get answers to your questions. Trust us to TAKE ACTION to ensure that your insurance company honors the terms of your policy and provides you with the payments to which you are entitled.

Examples of our legal work

To illustrate, our disability insurance lawyers can assist and represent you when your insurance ceases or refuses to pay you the benefits to which you believe you are entitled for the following reasons:

  • Your insurer considers that despite your physical or mental condition you are not disabled to hold your job;
  • Your insurer considers that despite your physical or mental condition you are not disabled in any job or to perform the tasks for which you are reasonably qualified;
  • The illness from which you suffer is not considered to be a serious illness according to your insurer;
  • You have failed to report a pre-existing condition or illness.

Did you know that?

By law, the holder, beneficiary or insured of a disability insurance policy must inform the insurer in writing of their claim within 30 days of becoming aware of the disability. The insured must also provide the insurer with documentation to prove the validity of the claim within 90 days.

Your disability insurance policy may include a waiting period between the onset of your disability and the start of disability payments. You can choose between waiting periods of 30, 60, 90 or 120 days. Opting for a longer waiting period may reduce your premiums, but this varies from policy to policy.

Did you know that?

Your insurer may require that you submit to a medical examination to confirm your inability to work due to illness or injury, even if your attending physician has already completed an evaluation and confirmed your condition.




When should you consult our disability insurance lawyers?

Do you believe that your insurance company has refused to honour your policy and pay benefits to which you are entitled? Contact our disability insurance lawyers or medical liability experts now.