Long-Term Disability Lawyer Ontario

Long-Term Disability Claim Denied in Ontario? We Can Help.

A denied long-term disability (LTD) claim is not necessarily the end of the road. If your benefits have been denied, reduced, or terminated, you may have options beyond what your insurer has explained.

Our employment lawyers can help you understand your rights, challenge unfair decisions, and pursue the disability benefits that you may be entitled to. Book your free consultation with our Ontario Long-Term Disability lawyers today.

Why Choose Us For Your Long-Term Disability Claim?

• No upfront fees — we only get paid when you win. 
• We represent employees only, never insurers or employers. We care about each and every individual that we represent, always fighting for what is best for them. We recognize that being denied long-term disability benefits is stressful, and we are here to help you through this difficult period.
• We know LTD claims, we know the insurers’ playbook, and we counter it. Insurance giants like Sun Life, Manulife, Canada Life, or Desjardins use predictable stall tactics and endless internal appeal loops to deny your valid claim. We build an aggressive, litigation-ready legal strategy to beat them at their own game and secure your benefits.
• We take a personalized approach. Every disability claim is different and should be treated as such. We will advocate for what is best for you and your disability.

Long-Term Disability Claims We Handle

Whether your benefits have been denied, terminated, or unfairly challenged by your insurer, we can help protect your rights and pursue the benefits you are entitled to. Our team has extensive experience helping clients navigate a wide range of long-term disability disputes, including:

Disability Conditions

• Mental health and invisible disability claims, including depression, anxiety, PTSD, chronic pain, fibromyalgia, and chronic fatigue syndrome
• Neurological, cognitive, and autoimmune conditions, including Multiple Sclerosis (MS), concussions, post-concussion syndrome, traumatic brain injuries, and lupus
• Complex medical conditions, including cardiovascular disease, cancer and treatment-related complications, progressive illnesses, and other serious medical conditions

Claim Disputes

• Denied long-term disability claims, including allegations of insufficient medical evidence, pre-existing conditions, or other coverage disputes
• Terminated disability benefits after a claim has already been approved
• “Any occupation” disputes when insurers reduce or terminate benefits after two years
• Independent Medical Examinations (IMEs) and functional capacity evaluations requested by your insurer
• Unreasonable delays and unfair claim handling by your insurance company
• Pressure to accept unfair settlements before you receive the compensation you deserve
• Return-to-work disputes and workplace accommodation issues, including pressure to return to work before you are medically ready, accommodation failures, and wrongful dismissal concerns arising during a disability leave

No two disability claims are exactly alike. If your situation is not listed above, you may still be entitled to benefits or compensation. Book your free consultation with our Ontario Long-Term Disability lawyers today and learn how we can help.

How Our Long-Term Disability Lawyers Help You

At Roberts & Obradovic, we believe that informed clients make better decisions. Our priority is to provide guidance about your long-term disability claim, explain your options, and advocate for you throughout the process.

1. Start With a Free Consultation

We begin with a free, no-obligation consultation to fully understand your situation. Our long-term disability lawyers will review the details of your claim, explain your options, and help you determine the best path forward. You pay nothing unless we recover compensation for you.

2. Build a Strong Strategy for Your Claim

To construct the best strategy, our team will carefully review your denial or termination letter, LTD policy documents, medical records, and other key evidence to identify weaknesses in the insurer’s position. We then develop a tailored legal strategy aimed at recovering your benefits or securing fair compensation.

3. Dealing With the Insurance Company for You

Navigating an LTD dispute can be stressful, especially when dealing with health challenges. We take over all the communication and negotiation with your insurance company, allowing you to focus on your well-being. We keep you informed and provide clear guidance throughout every step of the process.

4. Pursue the Best Possible Outcome

Whether through negotiation, settlement discussions, or litigation, we take the necessary steps to advance your LTD claim. Our knowledgeable legal team has extensive experience handling long-term disability disputes and will work diligently to ensure you receive the benefits or compensation you deserve.

You may have as little as two years to start a lawsuit against your insurer, and the clock may already be running. Wait too long, and you can lose the right to claim your benefits. We are here to give you prompt legal advice before your limitation period ends. The sooner you speak to a lawyer, the better — book your free consultation with our Ontario LTD lawyers today.

Understanding Long-Term Disability Benefits in Ontario

You may be entitled to long-term disability (LTD) benefits if you are unable to work due to ongoing illness, injury, or disability. LTD tends to follow sick leave or short-term disability (STD), when your disability progresses to an indefinite or ongoing period of time.

When preparing to submit an LTD claim, there are three main things to keep in mind:

1. Ensure You Have LTD Coverage — Most LTD coverage is provided through an employer group benefits plan or a private disability insurance policy. Check your benefits booklet for your employer’s LTD policy.
2. Visit Your Doctor to Determine Your Functional Restrictions —The more specific your medical records, the better. Some things to include in your medical documents include:
   • Your symptoms, particularly how frequent and severe they are
   • Work-specific limitations (physical and mental)
   • The advised treatment plan, including medication and its effects
3. Keep Records of Important Documents — You may have to submit documentation alongside your LTD claim, or the insurer may request the relevant documents. Either way, it is important to keep these documents on hand:
   • LTD claim and application package
   • Benefits booklet or LTD policy
   • Detailed medical records of your functional limitations
   • Job description outlining your responsibilities and employee expectations

After you have completed these steps and submitted the LTD claim, the insurer will review your application. In some cases, the insurer may request an interview with you, or ask you to send further documentation. Be sure to keep a copy of all correspondence with the insurer, and request any final decisions to be communicated in writing.

Alongside LTD benefits, you may also be eligible for CPP Disability (CPPD) if you:

• Are between the age of 18 and 65
• Have a disability that consistently stops you from completing substantial work
• Have a disability that is long-term or of indefinite duration
• Contributed enough the Canada Pension Plan (CPP)
  • Contributions for at least 4 of the last 6 years (prior to the date you became disabled), or
  • Contributions for at least 25 years, including 3 of the last 6 years

Check your Statement of Contributions to know if you meet these requirements and qualify for CPPD. Additionally, as long as you qualify for CPPD and LTD benefits, you can receive both, where CPPD is often deducted from your LTD payments.

Frequently Asked Questions About Long-Term Disability Claims

Don’t see an answer to your question? We’re happy to help. Book your free consultation with our Ontario Long-Term Disability lawyers today.