Why Disability Claims Get Denied in Alberta
You've paid into disability insurance for years—through work, private coverage, or a group policy—expecting it to protect you if illness or injury ever stops you from working. But when you finally need it, your insurer denies the claim.
It's a frustrating and frightening moment: you're unable to earn an income, and the company you trusted refuses to pay benefits. Unfortunately, **disability-claim denials are extremely common in Alberta**, often for reasons that have more to do with insurer tactics than with genuine eligibility issues.
As Alberta insurance-litigation lawyers who once defended insurance companies, we know exactly how insurers evaluate and deny claims. This article explains **the most common reasons disability claims are denied**, how the process works, and what you can do to challenge an unfair decision.
Top 10 Reasons Disability Claims Get Denied in Alberta
Understanding the most common denial reasons helps you prepare a stronger case:
Why Insurers Deny Legitimate Disability Claims
Insurers deny valid claims for three main reasons: **profit**, **pressure**, and **perception**.
Steps to Take After a Disability Claim Denial
If your claim has been denied, **don't panic**—and **don't give up**. Denials can often be overturned with strong evidence and legal advocacy.
Request a Copy of the Denial Letter
Insurers must explain why your claim was denied and reference the policy section used.
Collect Your Medical Records
Include all specialists, therapy notes, and medication history.
Ask Your Doctor for Clarification
A detailed medical letter can address the insurer's concerns.
Avoid Direct Appeals Without Legal Advice
"Internal appeals" are often designed to run out the limitation clock.
Consult an Alberta Disability Lawyer Early
We'll handle communication with the insurer, secure new evidence, and ensure your lawsuit is filed within time limits.
How a Lawyer Helps Reverse a Denial
Challenging a disability denial involves both medical and legal expertise. A skilled lawyer ensures your case is evidence-driven and properly framed under Alberta law.
Review Your Policy
Identify coverage terms, exclusions, and loopholes insurers rely on.
Collect Medical Evidence
Work with your doctors to strengthen documentation.
Engage Independent Specialists
Obtain neutral reports that carry more weight in court.
Coordinate Vocational and Functional Assessments
Prove your inability to work any suitable job.
Negotiate Aggressively
Many denials are reversed once insurers see a strong case building.
File a Lawsuit if Necessary
Alberta courts regularly order insurers to pay back benefits plus legal costs when denials are unreasonable.
Frequently Asked Questions
Conclusion
A denied disability claim can leave you feeling helpless—but you're not powerless. Alberta law protects policyholders against unfair insurer tactics, and strong legal representation can often reverse a denial or recover full benefits through settlement.
Request your denial reasons in writing
Gather and strengthen your medical evidence
Don't rely on internal insurer appeals
Act before the two-year limitation period expires
Consult an experienced Alberta disability lawyer early