Overview
Has Your Insurer Denied Your SISIP or CAF LTD Claim?
A denial or termination can happen at the start of a claim, during a file review, or after the insurer reassesses whether you remain disabled. In many cases, the decision comes down to documentation, how your restrictions are described, or how the insurer interprets your ability to work.
It is important to act quickly after a denial because limitation periods and other timelines can apply. Early steps can also shape the strength of your file.
Common Reasons Insurers Deny SISIP Claims
The insurer says there is not enough medical evidence to support disability
Records do not clearly explain your functional limitations and work restrictions
Gaps in treatment or inconsistent follow-up care
Disputes about diagnosis, prognosis, or capacity for work
The insurer claims you can return to work in a different role
Paperwork is incomplete or deadlines are missed
The Aaron Waxman Difference
How Can Aaron Waxman and Associates, P.C. Help?
If your insurer denied your SISIP (CAF LTD) claim or terminated your benefits, Aaron Waxman and Associates, P.C. can help you understand your options and build a stronger case. This may include reviewing the denial letter, identifying evidence gaps, organizing your treatment timeline and medical documentation, and responding directly to the insurer’s stated reasons.
If you are looking for a disability lawyer to review a denied SISIP claim, we can talk through next steps and explain what paths may be available.
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
The SISIP long-term disability plan is a group insurance plan for CAF personnel administered by SISIP Financial Services and insured by Manulife. Its purpose is to provide income replacement when a member cannot work due to illness or injury, including for those who depart voluntarily or are released for medical reasons.
Members of the Regular Force, Reserve Force on Class C service, and Primary Reserve Force on Class A and B service are eligible for this benefit.
Military disability claims can involve physical injuries, chronic conditions, and psychological illnesses, including operational stress injuries. What matters most is whether your condition creates functional limits that prevent you from working, supported by consistent medical documentation.
Depending on your circumstances, you may also qualify for other benefits and programs such as Veterans Affairs Canada (VAC) disability benefits and other supports.
Your eligibility and how programs interact can depend on the benefit type and your individual situation.
Yes. If your SISIP or CAF LTD claim has been denied, or your benefits were terminated, you may be able to challenge the decision. Many denials come down to alleged evidence gaps, not the legitimacy of your condition. Strengthening documentation and responding directly to the insurer’s stated reasons can improve your position.
