Long-term disability insurance is a form of income replacement. It protects your income if you have the misfortune of becoming too injured or ill to work. People can purchase disability insurance themselves or their employers may provide it as a benefit.
Disability insurance policyholders assume that the insurance company will accept and pay valid claims for disability insurance benefits. Unfortunately, that is often not the case. A significant number of meritorious disability claims are denied or payments are terminated when they should not be.
Lawyers of PIA member firms hold disability insurance companies accountable when they deny legitimate claims or terminate benefits without valid justification. We force disability insurers to live up to their obligations and honour the terms of their policies.