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The Service Income Security Insurance Plan (SISIP) is designed to help military service members and veterans struggling with long-term disabilities. But despite everything you survived in the line of fire, your disability benefits claim might still be denied.
At Zayouna Law Firm, we value and honour the sacrifices of our Canadian Armed Forces. We are here to help ease your transition back to civilian life and improved quality of life. Our lawyers will help you fight a denied SISP long-term disability claim, and ensure your service is recognized and honoured as you deserve.
For many armed forces members, the atrocities of war do not end upon returning home. These endure, from physical impairment to mental health struggles, ultimately impacting your ability to return to everyday life. SISIP long-term disability is supposed to help — but it does not always.
The Service Income Security Insurance Plan (SISIP) Financial Services is a program that provides active and former Canadian Armed Forces (CAF) members with different insurance products and financial services.
Its primary component is SISIP long-term disability, a group insurance plan for CAF personnel that provides income replacement. This benefit is crucial for military personnel injured in the line of fire and, as a result, have become disabled and unable to return to their occupation. CAF members are eligible for SISIP whether they departed voluntarily or were released from active duty for medical reasons.
Was your SISIP long-term disability claim denied? Our armed forces members put their lives on the line every day to keep our country safe. At Zayouna Law Firm, we believe that you should be entitled to secure your well-being and support your transition to civilian life.
A SISIP long-term disability lawsuit allows you to recover declined or terminated long-term benefits, which you are entitled to under the law. We also provide legal counsel to examine the full impact of a denied claim on your physical and mental health, quality of life, and income. With a successful claim, we can recover your rightful long-term disability benefits, and compensation for the added harm, pain, and suffering you endured.
Under SISIP, Canadian military personnel are eligible for benefits, including income replacement. These include the Regular Force, Reserve Force on Class C service, and Primary Reserve Force on Class A and B service.
SISIP disability benefits provide 75% of your salary, with the exact amount determined by whether you are Regular or Reserve Force. Generally, the minimum salary that benefit amounts are based on is equivalent to that of the Corporal Basic rank.
With only 75% of your salary paid out in disability benefits, the amount may not be enough to sustain your quality of life. It’s impossible to put a price on trauma, which has become an occupational hazard for soldiers.
Post-Traumatic Stress Disorder (PTSD) is considered an operational stress injury, for which military personnel are at higher risk of suffering. Exposure to violence, suffering extreme danger and injuries, and witnessing the loss of life — can all trigger nightmares, flashbacks, anxiety, difficulty sleeping and concentrating.
For many, mental and emotional stress can make it impossible to work in any capacity. PTSD is a long-term disability; however, insurance providers require extensive documentation of your inability to work in any capacity, often dispute this, leading to a denied claim. Seeking legal action with a SISIP lawyer allows you to recover your rightful disability benefits for income replacement and access crucial mental health resources to restore your quality of life.
At Zayouna Law Firm, we honour the service of our Canadian Armed Forces members. Our lawyers are dedicated to supporting you in your transition to civilian life, with the SISIP disability benefits you are entitled to. Our mission is a true heroes’ welcome — for all your sacrifices and hard work to keep our country safe.
Zayouna Law Firm is dedicated to supporting our troops the best way we know how — successful disability claims, and support throughout your recovery and return to civilian life. We bring our vast legal expertise in disability law to advocate for your best outcome, and fight for the disability benefits you deserve.
Post-traumatic stress disorder (PTSD) is an anxiety disorder that can develop after experiencing, witnessing, or repeatedly being exposed to major trauma.
It can happen after experiencing a threat to your life or extreme danger, such as an accident, fire or a crime, as well as witnessing these events and suffering from workplace harassment and/or stress.
PTSD is also considered an operational stress injury. Certain professions have a higher risk of developing PTSD, such as law enforcement, emergency responders, firefighters, and military service members. These occupations involve constant exposure to dangerous situations and potentially traumatic events.
Yes — insurance companies typically allow up to 3 rounds of appeals through their internal appeals process. However, you may exhaust all of these appeals and still fail to have your disability benefits granted or reinstated.
This is why it is in your best interest to speak with an experienced PTSD disability lawyer as soon as you receive a denial letter, or even as early as submitting your benefits claim. A lawyer can help interpret the terms of your insurance policy and the reasons for denial, and advise you of your legal options to seek the benefits you are entitled to.
Insurers cite several reasons for denying PTSD disability claims — even those that appear valid. Common reasons for denied or terminated benefits are:
At Zayouna Law Firm, we have assembled a team of professionals dedicated to serving seriously injured clients with knowledge and sensitivity. Collectively, our highly skilled personal injury lawyers bring decades of experience to the work of helping thousands of injured clients return their lives to their pre-accident state.Read More