Denied Long-Term Disability Benefits? Vancouver’s Trusted Disability Lawyer is Ready to Fight for You
Have your long-term disability (LTD) benefits been denied or cut off? You’re not alone. Many Vancouver residents are left struggling after an insurance company unfairly rejects their claim—despite a legitimate medical condition. But here’s the truth: you have rights, and you can fight back.
For over 40 years, Tim Louis & Company has successfully appealed denied disability claims, ensuring our clients get the financial support they deserve. Don’t let your insurance company take advantage of you—let’s take action today.
📞 Call Now for a Free Consultation (604) 732-7678
- We Handle Everything – You Focus on Your Health, We Handle the Legal Fight
- Decades of Experience Winning Disability Claims in BC
When Do You Need a Long-Term Disability Lawyer in Vancouver?
Insurance companies routinely deny, delay, or cut off disability benefits—even when you have a legitimate claim. If this happens, you need an experienced LTD lawyer to fight back.
Common Reasons Insurers Deny LTD Claims:
✅ “Insufficient medical evidence” – Even when doctors confirm your condition, insurers may demand more proof.
✅ “Not disabled enough” – Insurance companies often argue you can still work, even when you can’t.
✅ Surveillance & Private Investigators – Insurers may misinterpret social media posts or everyday activities to justify a denial.
✅ Missed deadlines & paperwork errors – One small mistake can result in a rejection.
✅ Unfair claim reassessments – Even if you were initially approved, insurers can cut off benefits after a review.
⚠️ Handling Your LTD Appeal Alone is Risky
Insurance companies count on you giving up—but you don’t have to fight this battle alone. Tim Louis & Company has over 40 years of experience forcing insurance companies to pay what’s fair.
Why Hire Tim Louis?
✔ Over 40 Years Fighting for BC Residents – We’ve won countless cases for disabled workers across Vancouver.
✔ We Handle Insurance Companies – So You Can Focus on Your Health
📞 Call (604) 732-7678 or Request a Free Consultation →
Tim Louis is a long-term disability insurance claim lawyer, with over four decades of legal experience, who has successfully sued the following insurance companies to protect his clients.
These companies include:
- Cooperators Life Insurance Company
- Desjardins Financial Security Life Assurance Company
- Great West Life now known as Canada Life
- RBC Life Insurance Company
- Sun Life Assurance Company of Canada
- Pacific Blue Cross
- Industrial Alliance
- Trustees of the Healthcare Benefit Trust
- The Board of Trustees of the Transit Employee’s Health and Benefit Trust
Long-term disability is a quality-of-life issue that needs proper recognition and care
Anyone who’s ever suffered some form of long-term disability knows that the effects on one’s physical, mental and emotional state can be traumatic. All aspects of one’s personal well-being are affected, especially an individual’s family.
Long-term disability, and with it the loss of work and income, does result in real financial hardship. The distress caused by the denial of long-term disability payments may give you the right to sue for mental distress on top of the long-term disability benefits. Naturally, insurance companies are loathed to pay out on such claims because the costs greatly impact their bottom line.
If you have long-term disability insurance coverage, and if you’re suffering from a debilitating illness or injury, then you deserve compensation. Tim Louis has consistently fought for his clients to ensure they get the long-term disability benefits to which they are legally entitled.
Common conditions that are eligible for claims
How Tim Louis & Company Fights for Your Disability Benefits
When you’re struggling with a disability, the last thing you need is an insurance company wrongfully denying or delaying your benefits. Tim Louis & Company takes aggressive legal action to ensure you get the payments you’re owed—on time, every time.
What We Do to Win Your Case:
✅ Challenge Insurance Company Denials – We force insurers to pay by presenting irrefutable medical and legal evidence.
✅ Handle All Communications – No more dealing with insurance adjusters or their delay tactics. We manage everything for you.
✅ Fight Unfair Benefit Terminations – If your insurer stops your LTD payments, we take immediate legal action.
✅ Gather Medical & Expert Evidence – We work with top medical specialists to strengthen your claim.
✅ Negotiate Maximum Settlements – Many cases settle before trial, ensuring you get paid faster and fairly.
Did You Know? Insurance companies have lawyers—so should you. Without legal representation, you risk losing out on benefits you deserve.
Time is Limited—Take Action Now!
Insurance companies count on you missing deadlines. If you don’t appeal in time, you could lose your right to benefits.
📞 Call Tim Now at (604) 732-7678
📩 Request a Free Consultation →
Tim Louis – Your Trusted Long-Term Disability Lawyer in Vancouver
Fighting for Your Disability Benefits for Over 40 Years
If your long-term disability (LTD) claim has been denied, you’re not alone. Insurance companies regularly reject legitimate claims, hoping you’ll give up. That’s where Tim Louis & Company comes in.
For more than 40 years, Tim Louis has been fighting back against big insurance companies and winning life-changing benefits for his clients. He has successfully sued some of the world’s largest insurers and has overturned unfair CPP disability denials by the federal government.
Your disability benefits should be a safety net—not a battle. If your insurer is delaying, reducing, or denying your LTD benefits, Tim Louis is ready to fight for you.
We Advocate for Clients With a Wide Range of Disabilities
Tim Louis has secured LTD benefits for clients suffering from:
- Chronic back pain
- Fibromyalgia
- Benign brain tumours
- Carpal tunnel syndrome
- Conversion disorder
- Multi-chemical sensitivity
- Depression
- Chronic fatigue
Every case is unique. No matter your condition, Tim will fight to prove your disability and get the benefits you deserve.
For seasoned long-term disability and personal injury lawyer Tim Louis, every case is a personal fight on behalf of an important client. He is always accessible, returns call promptly, and starts every case by getting to know the client involved. Tim Louis fights to get the long-term disability benefits you are entitled to from your long-term disability insurance company, so you can look after your health.
Tim’s clients are real people, not file folders, and his ultimate goal is to ensure the best possible outcome for them.
Why Choose Tim Louis as Your Disability Lawyer?
✅ 40+ Years of Proven Success
Tim has spent decades challenging unfair insurance tactics and securing maximum compensation for his clients.
✅ Personalized, Compassionate Legal Support
Unlike large law firms, Tim personally handles every case himself—because you’re not just a file number.
✅ We Take On Big Insurance—And Win
Insurance companies have lawyers trying to minimize your claim—but Tim fights to maximize it.
📞 Call (604) 732-7678 for a Free Consultation →
“Oftentimes it’s a relief just to turn the case over to a lawyer so it can be fought vigorously on their behalf,” says Tim. “Just knowing that someone is fighting the battle so they can concentrate on the quality of life issues can be a huge benefit.
“In the end, the insurance companies may have their definition of the bottom line, but at Tim Louis and Company, the bottom line involves a just and fair settlement for each and every client.”
Insurance Denied Your Claim? Take Action Now.
Unfortunately, denied claims are a common insurance tactic—not because your disability isn’t real, but because they’re trying to protect their bottom line.
Don’t let them win.
If you’ve received a denial letter:
✔ Call Tim Louis at (604) 732-7678 for a free consultation.
✔ Let us take on the insurance company so you can focus on your health.
You deserve justice. Let’s fight for it together.
📞 Call Now: (604) 732-7678
📩 Email: timlouis@timlouislaw.com
📍 Office: 208 – 175 East Broadway, Vancouver, BC
Frequently Asked Questions
If you have a medical or physical condition that prevents you from continuing to work at your current job, you qualify for long-term disability.
While your long-term disability coverage comes to an end if you lose your job, your long-term disability benefits do not come to an end.
To appeal a long-term disability claim, you need to ask for an application form from your employer. Part of the form requires information in the form of an Attending Physician’s Statement. This gets filled out by the doctor, and depending on the employer’s rules, it is submitted to your employer, who in turn sends it to your insurer, or it goes directly to the insurance company.
Yes, an employer can terminate an employee while on long-term disability. You have grounds for a lawsuit against your employer for termination without cause if the employer has not waited long enough for you to recover and return to work.
What is long enough? It depends on how long you had worked for the employer before the long-term disability claim, as well as your doctor’s diagnosis, prognosis and prediction for when you would be able to return to work.
Whether your employer does or does not have grounds to terminate you, this has no impact whatsoever on your right to continue receiving long-term disability benefits and/or payments from your long-term disability insurance company.
Yes, you are still an employee of your employer while you are on long-term disability, unless your employer has terminated you and you are no longer employed.
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