10/13/2026
Your insurance claim was denied. What should you do next?
A denial letter doesnât necessarily mean youâre out of options. But what you do next matters.
If your accident benefits or long-term disability claim has been denied, here are 4 steps to consider:
1. Read the denial letter carefully.
Identify the specific reason your insurer gives for denying the claim. Is it disputing your eligibility, the medical evidence, the severity of your impairment, or something else?
2. Request and review the supporting information.
Understand what evidence the insurer relied on, including medical assessments, policy provisions, and any other relevant documentation. This can help you identify what needs to be addressed.
3. Gather relevant evidence.
Depending on your claim, this may include updated medical records, reports from treating professionals, proof of functional limitations, or documentation showing how your injuries affect your ability to work and manage daily activities.
4. Donât miss applicable deadlines.
Time limits for challenging an insurance denial can be strict and vary depending on the type of claim and the circumstances. In Ontario, certain accident benefits disputes and long-term disability claims may be subject to different limitation rules. Get legal advice promptly rather than assuming you have time.
The bottom line: An insurerâs decision is not always the final word. Understanding the reason for the denial, the evidence behind it, and the deadlines that apply can help you determine your next steps.
If your insurance claim has been denied, Azimi Law can help you understand your legal options.
Contact us for a free consultation.
đ (416) 900-4128
đĽď¸ azimilaw.ca
Disclaimer: This post provides general information only and is not legal advice. Your rights and applicable deadlines depend on the circumstances of your claim.
