Long-Term Disability Lawyer Toronto · Denied Claims
Long-Term Disability (LTD) Lawyer Toronto
Was your long-term disability claim denied, delayed or terminated? Insurers deny valid claims all the time — and they lose when you fight back with an experienced lawyer. No win, no fee.
If you were hurt in a long-term disability denial in Toronto, you may have a claim for compensation under Ontario law — often two claims, including accident benefits and a lawsuit against the at-fault party. Kanevsky Law handles Toronto LTD claims on a no-win, no-fee basis, so you pay nothing unless we win. The first consultation is free.
Denied Long-Term Disability? You Can Fight Back
You paid for long-term disability coverage — through your employer's group plan or a private policy — precisely so that you'd be protected if illness or injury stopped you from working. Then the insurer denied your claim, or approved it and later cut you off. This is far more common than most people realize, and it is often not the final word.
Insurance companies deny LTD claims for many reasons: disputes about whether you meet the policy's definition of "disabled," surveillance, gaps in medical evidence, missed deadlines, or a change from the "own occupation" to the "any occupation" test after two years. An experienced LTD lawyer knows how to challenge each of these — and insurers know it too.
Common Reasons LTD Claims Are Denied
- "Insufficient medical evidence" — often solved with the right specialist reports.
- "You don't meet the definition of disability" — the wording of your specific policy matters enormously.
- Surveillance the insurer claims is inconsistent with your limitations.
- The two-year switch from "own occupation" to "any occupation."
- Pre-existing condition exclusions.
- Missed or misunderstood appeal deadlines.
Read our step-by-step LTD denial guide.
Internal Appeal vs Lawsuit
When an insurer denies an LTD claim, they usually invite you to submit an "internal appeal." These appeals go back to the same company that denied you and frequently fail. In many cases, the stronger path is a lawsuit — which puts your claim in front of a court and often prompts a fair settlement. Critically, the deadline to sue can run while you are stuck in the internal-appeal process, so getting legal advice early protects your rights.
What an LTD Claim Can Recover
- Past unpaid disability benefits (often a lump sum of back-payments)
- Future benefits or a lump-sum buyout of the policy
- In some cases, additional damages for bad-faith conduct by the insurer
LTD claims can be substantial — years of monthly benefits add up quickly.
$50M+
Recovered
20+
Years Experience
LL.M
Osgoode Hall
EN · RU · UA
Languages
Olga Kanevsky, LL.B, LL.M · Licensed in Ontario since 2001 · Law Society of Ontario #51731A
Related Personal Injury Practice Areas
Whatever the cause of your injury, we handle it in-house with 20+ years of experience.
Car Accident Lawyer
Whiplash, rear-end, intersection and fatal crashes.
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Concussion, post-concussion syndrome and severe TBI.
Slip and Fall Lawyer
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See everything we handle for Toronto & GTA clients.
What to do after a long-term disability denial in Toronto
The steps you take in the hours and days after a long-term disability denial in Toronto have a real effect on both your recovery and your claim. Where you are able: call 911 and get prompt medical attention, even if the pain seems minor at first, because many injuries surface over the following days and the medical record is what connects the injury to the incident. Photograph the scene and any injuries, collect the names and contact details of everyone involved and any witnesses, and keep every document and receipt. Be cautious about giving any insurer a recorded statement or signing anything before you understand your rights. Most importantly, do not accept blame at the scene or tell an adjuster you feel “fine” before you know the full extent of your injuries. A short, free call with a lawyer first can protect thousands of dollars in claim value — and we are happy to have that conversation in English, Russian or Ukrainian.
Serving injured Toronto families
Insurers settle unrepresented claims for less because they can: the claimant usually doesn’t know what the claim is truly worth or which benefits exist. We change that. On a Toronto matter we identify every source of compensation, challenge wrongful denials and the $3,500 ‘minor injury’ cap where it has been misapplied, and refuse to let a first offer stand. Everything is handled on a no-win, no-fee basis, so there is never a financial barrier to proper representation.
If you or a loved one was injured in Toronto, you do not have to navigate the insurance system alone. We serve clients across Toronto and the wider Greater Toronto Area, and we offer a free, confidential consultation — in English, Russian or Ukrainian — in which we will tell you honestly whether you have a claim, what it may be worth, and what the next steps are.
Olga Kanevsky
LL.B, LL.M · Founder
About Your Lawyer
Two decades fighting for injured Ontarians
Olga Kanevsky is the founder of Kanevsky Law Office and has focused exclusively on Ontario personal injury law for more than 20 years. She holds a Bachelor of Laws (LL.B) and a Master of Laws (LL.M) from Osgoode Hall Law School, and is a member in good standing of the Law Society of Ontario (licence #51731A). Over her career she has recovered more than $50 million for injured clients and their families.
- ✓ Licensed by the Law Society of Ontario (2001)
- ✓ LL.M, Osgoode Hall Law School
- ✓ $50M+ recovered for injured clients
- ✓ Fluent in English, Russian & Ukrainian
- ✓ Contingency fees — no win, no fee
- ✓ Free, confidential consultations
Should I do the insurer's internal appeal or sue?+
How long do I have to challenge an LTD denial?+
What does 'own occupation' vs 'any occupation' mean?+
What can I recover in an LTD lawsuit?+
Does an LTD case cost anything upfront?+
Can I sue if my long-term disability claim was denied?
How long do I have to sue my disability insurer?
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LTD Claim Denied? Don't Take No for an Answer.
Free review of your denial letter. Insurers settle when you're represented. No win, no fee.
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