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At Zayouna Law Firm, we really take the time and go the extra step to get personally acquainted with our clients and their situations.

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Disability Law

What is a disability lawyer?

A disability is any condition that has a profound impact on your quality of life. Disabilities are not solely physical in nature; many are “invisible”, and can affect your ability to work, move, or even simply live.

When diagnosed with a disability, you may qualify for benefits that can help mitigate the physical, emotional, and financial impacts of your condition. These benefits can pay for ongoing treatments, rehabilitation and provide income replacement. However, many are left without support for the day-to-day, from care and household expenses, to enjoyment of life. 

Zayouna Law Firm stands with anyone who has been denied disability claims. We provide expert legal support to ensure you are compensated for delayed, denied, or reduced disability benefits.

Challenge Denied Disability Benefits

Was your disability claim denied? Our team of disability lawyers and disability experts are here to help. 

Zayouna Law Firm brings vast legal expertise to the widest range of disability law practice areas. A denial letter from your insurance provider should not be the end of your journey to recovery and the ability to live a full life. 

Our lawyers can help you fight your insurer’s decision, and file a disability claim to receive the compensation you are entitled to under the law. With each successful claim, we help victims and families cope with the physical, psychological, and financial impacts of all types of disabilities.

Our Disability Law Practice Areas

  • Depression and Anxiety

Mental health conditions are often “invisible” disabilities, yet workplaces and insurers do not always grant disability benefits for them. Depression and anxiety claims are usually triggered by traumatic events, such as an accident, physical illness, death of a loved one, and workplace harassment and stress, which impact your productivity at work. 

  • Chronic Pain

Pain disorders, such as arthritis, fibromyalgia, myofascial pain syndrome, chronic fatigue, and more, are chronic when they extend more than six months or beyond the typical healing time. You can be eligible for disability benefits — and legal action for denials — if your claim has been denied. A successful claim can help you cope with the physical, psychological, and financial impact of chronic pain, allowing you to focus on recovery and ease the burden of this “invisible” disability. 

  • Fibromyalgia

Typically causing pain, fatigue, weakness, memory issues, mood changes, headaches, and stomach issues, the onset of fibromyalgia can occur without any event or cause, or after an illness, infection, surgery, or trauma. A disability claim can provide the compensation you deserve to mitigate the physical, emotional, and financial impact of fibromyalgia when it affects your ability to work and perform daily activities.

  • Bipolar and Mood Disorders

Bipolar disorder, major depression, dysthymia (chronic low-grade depression), and substance-related mood disorder can severely impact your ability to work and day-to-day life. A disability claim can help you access necessary mental health resources to cope with mood disorders, and ease the financial burden of gaps in workplace productivity.

  • PTSD

Post-traumatic stress disorder is common among military personnel and first responders, as well as accident and workplace injury victims. You should not have to keep reliving your trauma.

We help frontline heroes, and accident victims claim PTSD disability compensation for occupational hazards and traumatic events.

  • SISIP (Military Disability)

You have dedicated your life to protecting our country. Now, it’s our turn to protect you. We stand with active duty, and retired Canadian Armed Forces service members denied SISIP or military disability claims. With compensation from a SISIP claim, we can help ease your transition to civilian life and ensure access to physical and mental health resources.

  • Long-Term Disability

An accident, workplace injury, or illness can have life-altering consequences, resulting in a prolonged recovery. A lasting impairment can prevent you from resuming your normal life, forcing you to adapt to a new normal. If your claim for long-term disability benefits has been denied, we can help you appeal the insurer’s decision and receive compensation for the physical, emotional, and financial effects of a permanent disability.

  • Short-Term Disability

Short-term disability benefits should be available to you for a specified period throughout your recovery, providing temporary care and income replacement while you are unable to work or while waiting for long-term disability benefits. Our disability lawyers can help you fight a denied claim and ensure you are compensated for the benefits you are entitled to.

  • Cancer and Post-Cancer Treatment

Cancer affects millions, from the initial diagnosis to countless rounds of surgery, chemotherapy, and radiation treatments. The time you spend battling cancer can have a profound physical, mental, emotional, and financial impact on you and your family. If you cannot return to work and were denied long-term disability benefits, our lawyers can help you dispute the denial, and ensure you are compensated and supported throughout this ordeal.

  • Critical Illness

Critical illness insurance is designed to provide financial support when you are diagnosed with a serious condition, such as cancer, Parkinson’s, AIDS, ALS, Alzheimer’s, or a heart attack. A denied insurance claim only adds to your pain and suffering. Our lawyers can help you file a critical illness claim to ease your illness’s physical, emotional, and financial impacts, including treatment and attendant care.

  • Life Insurance

Mourning the loss of a loved one, only to find out their life insurance policy will not pay out a death benefit? Our lawyers can help you dispute the insurer’s decision. A successful life insurance claim provides compensation you deserve to cope with the grief and financial impact of a loved one’s passing.

Our Disability Claims Process

Zayouna Law Firm is dedicated to helping you claim disability compensation. We provide legal expertise to file damages for denied, delayed, and minimized claims. Our goal is to restore your quality of life — with access to proper resources for navigating the realities of life with a disability. 

  1. Consultation: We offer a free consultation to discuss your denied disability claim, and advise you if you have a strong case for compensation.
  1. File your disability claim: Our team of disability lawyers, insurance experts, and medical and rehabilitation professionals work to build your claim and illustrate the profound impact of your disability. We fight for every dollar of compensation you deserve.
  1. Resolution: We strive to deliver the best outcome for your claim — adequate compensation to ensure your recovery and improve your quality of life. Our fees are contingent, meaning we don’t charge until we win and secure the outcome you deserve.

Our Disability Claims Expertise

At Zayouna Law Firm, our lawyers bring vast legal expertise in disability law and empathy in advocating for your best interest and quality of life. We care about you and want to see you live a fulfilling life, with access to the resources you need for physical, mental, and financial health.

  • Results: We take pride in our strong track record of successful disability claims. Our success is measured in terms of your recovery — every dollar of compensation awarded to you, and your improved health and wellness.
  • Relationships: Our distinguished memberships in the Ontario Trial Lawyers Association and the Ontario Bar Association are rooted not only in legal expertise, but more importantly, the strength of our client advocacy. Our promise is constant, open communication and your full participation in the legal process.
  • Recovery: We work for you, not for insurance companies. Our well-rounded client advocacy includes partnering with rehabilitation and mental health professionals to address your immediate needs, while we fight for every dollar of compensation you deserve.

Disability Claims FAQs

Disability is defined in relation to your ability to perform your occupation. To qualify for disability benefits, you must be “totally disabled”, meaning you are reasonably unable to work, both the regular duties of your job and any occupation you are suited for.

Each disability law practice area is unique. The allowable period for commencing legal action can depend on when your disability benefits were denied, when the insurance policy was entered into, and whether the policy had been renewed. Generally, you have 2 years to file a long-term disability claim. Speak with a personal injury lawyer right away to ensure the best outcome.

Each disability claim is different, with specific facts and strengths. Ensuring the best outcome depends on the strength of the evidence in support of your claim, such as medical records. A personal injury lawyer can help you collect these documents and ensure complete documentation to build a strong claim.

Although each claim is unique, a personal injury lawyer may provide general information about average settlement amounts and court verdicts. When filing your claim, your lawyer will quantify the damages you sustained, such as medical and attendant care expenses, housekeeping costs, lost wages and earning potential, and other losses. You may receive multiple settlement offers, which you can review with your lawyer to make an informed decision.

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