Long-Term Disability (LTD) Lawyer Toronto

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.

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.