# Legal representation prior to claim cutoff

**URL:** <https://forum.resolutelegal.ca/t/legal-representation-prior-to-claim-cutoff/5511>\
**Category:** Uncategorized\
**Created:** [May 8, 2026, 1:14pm UTC](https://forum.resolutelegal.ca/t/legal-representation-prior-to-claim-cutoff/5511 "2026-05-08T13:14:50Z")\
**Posts on this page:** 1\
**Page:** 1

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**Author:** ![anonymous1](https://avatars.discourse-cdn.com/v4/letter/a/77aa72/32.png) [@anonymous1](https://forum.resolutelegal.ca/u/anonymous1)\
**Post date:** [May 8, 2026, 1:14pm UTC](https://forum.resolutelegal.ca/t/legal-representation-prior-to-claim-cutoff/5511/1 "2026-05-08T13:14:50Z")

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The last few threads on this forum have made me seriously think about retaining counsel even though I’m still presently under own occ.

As I understand it, the LTD contract is between the claimant and the insurer and I have obligations of my own to fulfill. However, post representation, counsel is authorized to represent & speak on my behalf and we all know that insurers will often reach out to the claimant directly even though they are represented.

Now - my question is this. If counsel is responsive to the insurer and the insurer continues to ignore counsel, and if the insurer denies the claim and the matter is litigated - I’m 99% sure Courts will side with counsel’s potential claim of breach of contract and bad faith.

I argue this because it’s not like the claimant is not responsive - they are merely communicating through counsel and counsel is actively engaged though the insurer may simply argue the claimant (him or herself) is unresponsive.

Thoughts?