If you have purchased a disability plan or work for a company that includes a disability plan in their benefits package then you have made a responsible and intelligent decision. These plans are your protection against unforeseen injury, accident and illness. However, many insured individuals are surprised by how difficult it can be to apply and collect benefits. Insurance companies are in business to make a profit. It makes business sense for them to delay or deny claims.
Raphael Barristers has handled hundreds of disability claims successfully. We can help with the application or appeal process and help get you the benefits you need quickly. We have the knowledge and resources to get the job done. If the insurer has treated you in bad faith, you may be entitled to punitive or aggravated damages in addition to your monthly benefits.
Raphael Barristers realizes that at a time when you are unable to work due to injury or illness your financial resources will be compromised. That is why in almost all cases we will work on a contingency fee basis, which means you do not have to pay any money until your case is settled or successfully won at trial (see Explanation of Fees).
Raphael Barristers are skilled negotiators with an excellent settlement success rate through alternative dispute resolution, such as mediation and arbitration. However, where a trial may be necessary, we have a team of experienced trial lawyers with proven trial expertise.
Raphael Barristers has an admirable record of successful trial results and settlements for their clients and have the respect of insurance companies, Mediators, Arbitrators and Judges. We have earned the respect of our colleagues and they frequently refer us their complex insurance cases.