Overview
Understanding Mortgage Disability Insurance
Mortgage disability insurance is intended to cover your mortgage payments if you become unable to work due to illness or injury. These policies provide crucial income support by helping you stay in your home during a period of income loss.
Types of Mortgage Disability Insurance
- Group policies offered through lenders or financial institutions when the mortgage is arranged
- Private policies purchased directly from an insurance provider, often as part of a larger insurance package
Despite its purpose, mortgage disability insurance claims may be denied for reasons such as alleged pre-existing conditions, misrepresentation on the insurance application, and more.
The Aaron Waxman Difference
Why Work With Aaron Waxman and Associates, P.C.?
Choosing the right legal team can make all the difference. Here’s why clients trust us:
- We are familiar with the legal and procedural challenges involved in denied mortgage disability claims under both private and lender-issued policies.
- There are no upfront legal fees, and you only pay if we recover compensation for you.
- We understand the emotional and financial pressures that come with a denied claim and the risk of losing your home.
- Our team takes prompt action to meet legal deadlines and protect your rights.
- We know how insurance companies operate and how to effectively challenge unfair decisions.
Why Clients Choose Us
Fighting for Your Rights with Compassion & Commitment
Real Care, Real Advocacy
We take the time to understand what you are facing, then build a plan that protects your rights and supports your next steps.
We Handle the Pressure For You
We take on insurer and employer pushback, manage deadlines, and keep your claim moving so you can focus on recovery and stability.
Talk to Aaron, Not a Substitute
Aaron Waxman isn't just the name on the door. He's the one who will be sitting down with you to discuss your situation and walk you through your options.
Recognized Among Canada's Top Firms
Aaron Waxman & Associates was named one of Canada's Top Personal Injury Boutique Law Firms for 2025 by Canadian Lawyer Magazine - recognition built on years of trusted, experienced advocacy.
Not sure if you have a case or where to start? Let's Chat. No Pressure, No Obligation
Frequently Asked Questions
It is a type of insurance that helps cover your mortgage payments if you are unable to work due to a disability or serious health condition.
Mortgage disability coverage may be included in a group plan offered through your lender, or it can be purchased privately through an insurance company.
Claims are commonly denied due to alleged pre-existing conditions, incomplete documentation, or the insurer’s belief that your condition does not meet the definition of a disability. Legal review can help determine whether the denial was justified.
You should speak with a lawyer right away. There are strict time limits for disputing a denial, and legal support can help you take timely action.
Yes. A lawyer can review your policy, gather evidence, communicate with the insurer, and take legal steps to recover the benefits you deserve.
You still have the right to dispute a denial. A lawyer can review the policy and help you hold the lender or insurer accountable.
The time limits depend on the type of policy and insurer. A lawyer can help you determine the correct deadlines and take action within the appropriate timeframe.
This is a common concern. Many individuals are not fully aware of what is and is not covered until they need to make a claim. A lawyer can explain your coverage and legal rights in plain terms.
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