​If your short-term disability (STD) benefits have been denied, delayed, or terminated, you are not alone. Insurance companies frequently reject valid disability claims, leaving employees without the financial support they need during critical recovery periods. At Randy Ai Law Office, we specialize in appealing denied STD claims and fighting back against unfair insurance decisions to help you secure the benefits you are entitled to.

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Why Do Insurance Companies Deny Short-Term Disability Claims?

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Insurance providers often deny or cut off short-term disability benefits for reasons that may be unfair, incorrect, or misleading. Common reasons for STD claim denials include:

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• Insufficient medical evidence – Insurers may argue that your medical records do not fully support your disability.

• Pre-existing condition exclusions – Claims may be denied based on alleged pre-existing conditions.

• Failure to meet policy definitions – Insurance companies may assert that you do not meet the definition of "disability."

• Surveillance and social media monitoring – Misleading evidence may be used to claim you are not disabled.

• Independent medical examinations (IME) disputes – Insurers often rely on biased doctors who downplay disabilities.

• Missed deadlines or procedural errors – Even minor filing mistakes can lead to denials.

• Pressure to return to work too soon – Insurers may push claimants to return before they have fully recovered.

If your short-term disability claim has been denied or cut off, you have legal options to fight back.

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How We Help Appeal Denied STD Claims

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At Randy Ai Law Office, we aggressively challenge unfair STD denials by gathering strong medical and legal evidence to support your claim. Our services include:

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✔ Comprehensive claim reviews – We analyze your denial letter, policy, and medical records to build a solid appeal.

✔ Filing strong STD disability appeals – We prepare detailed legal arguments and submit compelling evidence to the insurance company.

✔ Negotiating with insurers – We push back against wrongful denials and advocate for a fair resolution.

✔ Filing lawsuits when necessary – If insurers act in bad faith, we take legal action to recover your benefits and damages.

✔ Protecting your rights throughout the process – We guide you through the appeal process and ensure compliance with all deadlines.

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Who We Help

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We represent employees, professionals, and self-employed individuals whose short-term disability benefits have been denied, delayed, or terminated by insurance companies such as:

• Manulife, Sun Life, Canada Life, Desjardins, RBC Insurance, Great-West Life, Blue Cross, Industrial Alliance, and more.

• Employees covered under group insurance plans provided by their employer.

• Self-employed individuals with private short-term disability policies.

• Workers facing debilitating conditions such as:

  • Chronic pain

  • Depression, anxiety, and PTSD

  • Fibromyalgia

  • Heart disease

  • Neurological disorders

  • Surgery recovery or workplace injuries

 

Why Choose Randy Ai Law Office for Your STD Denial Case?

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✔ One of Canada's Top Disability Law Firms – Recognized for expertise in disability and employment law.

✔ Proven Success in STD Appeals & Lawsuits – We have a strong track record of winning disability benefits for our clients.

✔ No Upfront Fees – We Win When You Win – Our firm works on a contingency basis, meaning you pay nothing unless we recover your benefits.

✔ Strong Legal Representation Against Insurance Companies – We fight aggressively to hold insurers accountable.

✔ Dedicated, Personalized Legal Service – Every case is unique, and we create tailored strategies to maximize your benefits.

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Take Action Now – Get the Disability Benefits You Deserve

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Don’t let your insurance company deny you the financial support you need. If your short-term disability claim has been denied, terminated, or delayed, you have the right to appeal. Contact Randy Ai Law Office today for a free consultation, and let us help you fight for the disability benefits you are entitled to.

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📞 Call us now or fill out our online form to schedule your consultation with an experienced short-term disability lawyer.