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Desjardins Denials
Overturning Desjardins Denials
Desjardins Insurance uses many of the same denial tactics as Canada's largest insurers. If your Desjardins disability claim was denied or terminated, we have the experience to fight your case.
Common Desjardins Denial Reasons
- "Insufficient medical evidence to support disability"
- Change of definition denial at the 24-month mark
- "Failure to pursue recommended treatment"
- Reliance on paper file reviews over treating physician opinions
- Functional capacity evaluations contradicting your doctors
Desjardins's Tactics
Desjardins frequently:
- Uses internal medical consultants to override your doctors
- Applies change of definition broadly to terminate claims
- Conducts social media monitoring and surveillance
- Delays claim processing to pressure claimants
- Requests excessive and repetitive documentation
How We Fight Back
- Obtain independent medical opinions to counter file reviews
- Build evidence packages that address every denial reason
- Challenge biased functional capacity evaluations
- File timely appeals with comprehensive documentation
- Pursue litigation for unreasonable claim handling
What to Do Right Now
- 1Gather all medical records from treating providers
- 2Keep a daily symptom and limitations journal
- 3Set all social media to private
- 4Don't sign anything from Desjardins without legal advice
- 5Know your timeline. In Ontario, you generally have 2 years from denial to take legal action
There Is a Deadline on This
In Ontario, you generally have 2 years from the date of denial to take legal action against Desjardins. Worth knowing where you stand.
See If We Can HelpDesjardins denied your claim? We can help.
Free case review. Responsive. No obligation at all.
Prefer to call? (289) 210-9449
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