Answer: You can dispute an insurer’s decision to deny your claim (for short-term disability benefits, long-term disability benefits, critical illness insurance & life insurance). If your disability benefits have been denied, don’t be discouraged. You can dispute the denial by appealing the insurance company’s decision or you have the option of commencing a lawsuit (court action) against the insurance company. It is important to consult a lawyer as soon as you receive a denial letter from your disability insurer as limitation periods exist and you do not want to run out of time to sue your insurer. If you start a court action against your insurer as soon as possible, your case is in the court system faster and this will help to expedite matters.