Long Term Disability Lawyers Serving Ontario

If you're unable to work because of an illness or injury, you've likely been paying into a disability plan for years. When you need it most, your claim gets denied. Or your benefits get cut off. It happens all the time.

We help people across Ontario fight back and get the disability benefits they paid for.

When You Need a Long-Term Disability Lawyer

You might need legal help if:

• Your claim was denied outright
• Your benefits stopped suddenly, especially around the 24-month mark
• The insurance company is asking for more medical evidence but won't tell you what's missing
• You're being pushed to return to work before you're ready
• Your insurer sent you to their own doctor and now your benefits are in question

Most denials happen because insurance companies are looking for reasons to say no. That's their business model.

How Long-Term Disability Actually Works

Most LTD policies have two phases:

First 24 months - You qualify if you can't do your own job. A teacher with severe anxiety meets this test if they can't teach.

After 24 months - The definition changes. Now you have to prove you can't do any job you're reasonably suited for by education or experience. This is where most people get denied.

The insurance company will argue you could do something else. Maybe desk work. Maybe part-time. Suddenly, they say you're not disabled anymore.

But if your condition truly prevents you from working in any suitable capacity, you have a case.

What Makes Your Case Strong

Medical evidence is everything. But it's not just about having a diagnosis. Your doctors need to document how your condition stops you from working. What tasks you can't do. How long you can sit, stand, or focus. How symptoms affect you day to day.

We work with your medical team to make sure the evidence speaks directly to what your policy requires. Because every policy is different. The exact wording matters.

Common Reasons for Denial

• "Insufficient medical evidence" - This is vague on purpose. It usually means they want more detail about your functional limitations, not just your diagnosis.
• "You can work in another job" - They'll point to jobs you've never done and claim you're capable. This requires evidence showing why you actually can't.
• "Our doctor disagrees" - Insurance companies send you to their own doctors. One appointment versus years with your own doctor. We challenge these assessments.
• "Pre-existing condition" - They claim your condition existed before your coverage started. We review your medical history and policy language to fight this.

What We Do

• We translate your policy. The technical language in your insurance contract determines whether you qualify. We identify the exact tests you need to meet.
• We build medical proof. Your doctors focus on treatment. We help them focus on the evidence that matters for your claim.
• We handle the insurance company. From filing forms to negotiating settlements, we manage the process so you can focus on your health.
• We protect deadlines. In Ontario, you typically have two years from the denial date to sue. Internal appeals don't always stop this clock. Waiting too long can cost you your claim.

If Your Claim Was Denied

Don't panic. Denials are common. Here's what to do:

• Request your complete claim file from the insurer immediately. This shows you exactly why they denied you.
• Don't assume an internal appeal will fix it. Appeals can help, but they don't always pause the legal deadline to sue.
• Get legal advice quickly. Even if you're considering an appeal, understand your options and timeline first.
• Keep seeing your doctors and following treatment. Gaps in care give insurers ammunition to deny you.

What Your Case Might Be Worth

It depends on your age, income, policy terms, and how long you'll be unable to work. Some cases settle for a lump sum. Others result in reinstated monthly benefits. We look at your specific situation and what makes sense for your future.

We can't promise results. But we can tell you what's realistic based on your policy and medical evidence.

Conditions We Handle

• Depression, anxiety, PTSD, and other mental health conditions
• Chronic pain, fibromyalgia, and autoimmune disorders
• Long-COVID and post-viral syndromes
• Neurological conditions like MS or Parkinson's
• Orthopedic injuries from accidents or degenerative conditions
• Cancer and treatment side effects

If your condition prevents you from working, we can help assess your case.

Why Timing Matters

The two-year limitation period is real. If you miss it, your claim could be statute-barred. That means you lose the right to sue, even if you have a strong case.

Insurance companies know this. They'll sometimes drag out internal processes hoping you run out of time. We make sure you don't.

Free Consultation

We offer a free consultation to review your denial, your insurance policy, and what comes next. No obligation. Just honest advice about whether you have a case and what it might take.

If we take on your case, we work on contingency. You don't pay unless we recover benefits for you.

Call us at 905-744-8888 or request a consultation online. We serve clients across Ontario from our Burlington office.