Living with a long-term disability can be overwhelming—physically, emotionally, and financially. When you’re unable to work and rely on long-term disability (LTD) benefits, the last thing you expect is resistance from your insurance company. Unfortunately, many Ontarians face denied, delayed, or terminated LTD benefits when they need them most.
At GotInjured.ca, our Ontario long-term disability lawyers help individuals fight back against unfair insurance decisions. We understand how insurance companies operate, and we’re here to protect your rights and help you secure the benefits you deserve.
Long-term disability (LTD) benefits provide income replacement when a medical condition prevents you from working for an extended period. These benefits usually begin after short-term disability benefits end and are often provided through:
Employer-sponsored group insurance plans
Private disability insurance policies
Short-Term Disability (STD): Covers temporary conditions, typically for a few weeks or months
Long-Term Disability (LTD): Covers long-lasting or permanent conditions that prevent you from returning to work
LTD claims can be based on a wide range of physical and mental health conditions, including:
Chronic pain or back injuries
Neurological disorders
Cancer and serious illnesses
Mental health conditions such as depression or anxiety
Autoimmune disorders
Brain injuries or stroke
If your condition affects your ability to perform your job—or any job under your policy—you may be eligible for LTD benefits.
Insurance companies often deny valid LTD claims, hoping claimants will give up. Some of the most common reasons include:
Insufficient medical evidence
Claim forms filled out incorrectly
Missed deadlines
Surveillance or social media monitoring
Insurer claiming you can perform “alternative work”
Termination after the “any occupation” test
A denial does not mean your claim is over. In many cases, it’s just the beginning of the process.
We provide comprehensive legal support for LTD claims across Ontario, including:
Assistance with properly filing your initial claim to avoid common mistakes.
If your LTD claim has been denied, we help build a strong appeal backed by medical and legal evidence.
If your insurer stopped your benefits after months or years, we challenge unfair terminations.
We hold insurance companies accountable when they delay, deny, or act unfairly in handling your claim.
Ontario long-term disability claims are governed by insurance policies and provincial laws. Insurers have obligations to assess claims fairly and within reasonable timelines—but they don’t always follow the rules.
Important things to know:
LTD appeals often have strict deadlines
Evidence requirements increase over time
Delays can weaken your claim
Getting legal advice early can significantly improve your outcome.
If your long-term disability claim has been denied, delayed, or cut off, you don’t have to face it alone. The insurance company has lawyers—so should you.
Contact GotInjured.ca today for a confidential consultation.
We’re here to listen, guide you, and fight for the benefits you deserve.
Fighting an insurance company on your own can feel impossible—especially while dealing with a disability. An experienced Ontario long-term disability lawyer can level the playing field.
At GotInjured.ca, we can help by:
Reviewing your policy and denial letter
Gathering strong medical and vocational evidence
Filing LTD appeals within strict deadlines
Communicating directly with the insurer on your behalf
Negotiating settlements or pursuing legal action if needed
Our goal is simple: to reduce your stress and maximize your chances of receiving fair compensation.
At GotInjured.ca, we believe that strong legal representation plays a critical role in recovery after an injury. Regardless of the complexity of your case, our focus remains on protecting your rights, challenging insurance companies when necessary, and helping you pursue the best possible outcome with care and professionalism.
Our experienced, multilingual lawyers handle complex injury cases with confidence.
Each case is handled based on the client’s unique needs—not a one-size-fits-all process.
We provide high-quality, client-focused legal representation with clear communication at every step.
We maintain strict professional and ethical standards in every case we take on.
We make it easy to get legal help after an injury by handling the legal work while keeping you informed every step of the way.
Use the form below to tell us what happened, and a member of our legal team will reach out to you shortly.
This depends on your policy. Some last until age 65, while others end earlier based on your ability to work.
Yes. Insurers may stop benefits after reviewing your condition or applying the “any occupation” test.
You still have options, including appeals and legal action. A denial is not the end.
Some policies allow limited work, but earnings may reduce your benefits.
Deadlines vary by policy, but delays can harm your case. Acting quickly is critical.
While not required, legal help greatly improves your chances—especially after a denial.
If you’ve been injured and have questions about your rights, we’re here to listen.
