Personal Injury Lawyer Calgary
Denied After an Injury?
We represent clients in personal injury claims and disability claim matters.
- Injured in a car accident and can’t work?
- Filed for disability benefits and they said no?
- Dealing with recovery, lost income, and an insurer that says you’re capable when you’re not?
If your answer to all or any of these is “yes” and you’re feeling overwhelmed, you’re not alone. We understand what happens when a serious injury leads to a denied disability claim, how these claims intersect, and how insurers approach both.
The Insider Advantage
Injured in an accident and your disability benefits were denied?
Our team combines 30 years of plaintiff litigation and nearly 20 years of insurance defence experience, including time as Senior Counsel for one of Canada’s largest disability insurers.
is 97%.*
*Past results are not indicative of future results. The outcome of each case depends on its unique facts and circumstances.
Personal Injury Law Services in Calgary
We handle motor vehicle accident cases in Alberta where the injury has left you unable to work and your insurance company has denied your disability claim. Our practice focuses specifically on cases where accident injuries intersect with disability insurance disputes.
Car Accident Disability Claims
We handle both sides: your accident case and your disability claim denial.
You were in a car accident. Your injuries are serious enough that you can’t do your job. You filed for disability benefits under your group policy or private insurance.
Then one of two things happened:
- The insurer denied your claim from the start
- Or they approved it initially, then terminated your benefits
Insurance companies deny claims even when medical evidence clearly shows you cannot work. Many people don’t realize they should be filing disability claims alongside their accident claims.
Pedestrian Accident Disability Claims
Our goal: get your benefits reinstated or secure compensation for your losses.
You were hit by a vehicle. The injuries are severe and life-altering:
- Brain trauma affecting cognitive function
- Spinal damage limiting mobility
- Fractures that don’t heal correctly
When these injuries keep you out of work, you should receive disability benefits under your policy. If your insurer denied or terminated those benefits, we review your file to identify where they may have made errors in assessing your claim.
Other Injuries We Handle
We take cases involving injuries that prevent you from working. These are far from temporary setbacks. These are injuries that alter your capacity to earn income, which is what disability insurance was made to cover.
- Brain injuries that affect your thinking, concentration, or ability to handle daily tasks
- Spinal and nerve damage that limits movement or causes chronic pain
- Fractures and broken bones with long-term complications
- Amputations or disfigurements that change your ability to perform job duties
Important: We focus on motor vehicle accident claims in Alberta. We do not handle slip and fall cases. We also do not handle Saskatchewan motor vehicle accidents, as those involve government insurance (SGI) with different processes than Alberta’s private insurance system.
Claim Process for Personal Injury Cases
When your injury leads to a disability claim denial, you’re dealing with both your accident case and your insurance file. Personal injury law in Calgary operates differently when disability benefits are involved, and that’s where our expertise makes the difference.
01
Initial Consultation
It starts with a phone call. You tell us what happened: the accident, your injuries, your attempts to return to work, and what your insurance company has told you. If you’ve been denied disability benefits, we’ll need to see the denial letter, your policy, and any medical records the insurer has on file.
02
File Review
By combining 30 years of plaintiff litigation with nearly 20 years of inside defence experience, we identify the specific medical and procedural gaps in your insurer’s decision.
The review looks for errors in how they assessed your medical evidence, whether they followed the policy terms correctly, and whether they may have taken steps that could affect your entitlement to compensation.
03
Litigation and Resolution
Many cases resolve within 18 to 24 months, depending on the medical evidence and how the insurer handles the claim. Some cases require trial, particularly if you’re seeking to be reinstated on benefits rather than accepting a lump sum.
Our approach is to review the file thoroughly, identify every issue with the insurer’s decision, and work toward the compensation you’re entitled to receive.
If your case involves both an accident claim and a denied disability claim, we coordinate both. A successful disability claim can affect settlement calculations, and we make sure you’re not leaving money on the table by handling them separately.
Why Hire a Calgary Injury Lawyer
Our team brings experience-based perspective from both plaintiff advocacy and insurance defence within disability litigation, a perspective most firms cannot offer.
50+ Years Combined Experience
James has spent 30 years advocating for individuals facing benefit denials. Mark brings nearly 20 years of experience as former Senior Counsel for a major Canadian disability insurer. This dual perspective allows us to identify:
How insurers assess risk and coverage
Where internal claim processes fall short
Issues that other firms may not recognize
Meet Your Lawyer In Person
Unlike firms that operate primarily through remote offices, we maintain a physical presence in Calgary. We believe that meeting face-to-face strengthens the lawyer-client relationship and ensures a more thorough understanding of your situation.
Face-to-face meetings throughout your case
Same-day response to calls and emails
Direct access to the lawyers handling your file
Thorough Review & Clear Options
We prioritize comprehensive file reviews to identify every available avenue for compensation. We take the time necessary to build a complete case rather than moving toward a premature settlement.
- Data-driven advice on litigation versus settlement
- Preparedness to proceed to trial if necessary
- Efficiency in finalizing fair settlement offers
It’s your case. Your decision. Our role as personal injury lawyers is to provide clear information about your legal options and what each path requires.
FAQs
When should I contact a personal injury lawyer in Calgary?
If your insurance company has denied or terminated your disability benefits after an accident, contact us as soon as possible. The sooner we review your file, the sooner we can identify what may have gone wrong in the assessment process.
Even if you haven’t been denied yet but you’re concerned your claim might be terminated, particularly at the two-year mark when many policies change the definition of disability, it’s worth having a consultation.
How much does a Calgary personal injury lawyer cost?
We work on contingency. If you’re on disability or unable to work, you likely don’t have funds available to pay a legal retainer up front. That’s why we work on contingency. We get paid when you get paid. If we don’t recover compensation, you don’t pay our legal fees.
How long do personal injury claims take in Calgary?
Most cases settle within 18-24 months. Complex cases or those requiring trial can take longer. The timeline depends on how much medical evidence needs to be gathered, how the insurance company responds to your claim, and whether you’re seeking reinstatement of benefits (which usually requires trial) or a lump sum settlement.
Do personal injury lawyers in Calgary work on contingency?
Yes. Our approach is straightforward: if you’re on disability benefits, you likely don’t have extra money to pay a legal retainer up front. That’s why we work on contingency for both accident and disability cases.
What if my accident happened in Saskatchewan?
We do not handle motor vehicle accident cases in Saskatchewan. The system there involves government insurance (SGI) with different rules and processes than Alberta’s private insurance system. Our practice is limited to Alberta motor vehicle accident cases that involve disability claims.
Can you help if I have both a car accident claim and a disability claim?
Yes. This is where our experience with both types of claims becomes valuable. Many people don’t realize they should be filing disability claims when their accident injuries prevent them from working. We handle both and make sure the resolution of one doesn’t negatively affect the other.
Next Steps
Your Disability Benefits Were Denied After an Accident? The insurer's decision can be challenged.
The insurance company’s decision isn’t final. We’ll review your situation, explain your legal options, and determine whether we can assist you.
Personal Injury Law Firm
Calgary-based
Serving clients throughout Alberta & Saskatchewan
