Long-Term Disability Denials Lawyer
The Ontario Injury Lawyers have extensive experience handling long-term disability denial claims across the province of Ontario
- Free Consultations
- No Fee Unless You Win
- Decades of Injury Experience
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Denied Long-Term Disability Benefits? We Can Help.
If you are unable to work due to an illness or injury, long-term disability (LTD) benefits should provide financial support. However, insurance companies often deny or cut off legitimate LTD claims, leaving individuals struggling with medical bills and lost income. If your LTD claim has been denied or unfairly terminated, Ontario Injury Lawyers are here to fight for your rights.
Our experienced legal team specializes in appealing denied disability claims and ensuring you receive the benefits you deserve.
Why Choose Ontario Injury Lawyers for Your Long-Term Disability Denial Claim?
Experienced Disability Claim Lawyers – We have a strong track record of successfully overturning LTD denials.
No Upfront Fees – We don’t get paid unless you win.
Fighting Back Against Insurance Companies – We know their tactics and won’t let them take advantage of you.
Maximizing Your Compensation – Ensuring you receive full and fair LTD benefits.
What Can You Do If Your LTD Claim Was Denied?
If your long-term disability benefits were denied, you have legal options:
Appeal the Denial – Many insurance companies deny claims initially, but an appeal can reverse their decision.
File a Lawsuit – If the insurer refuses to pay, we can take legal action to get you the benefits you deserve.
Negotiate a Lump-Sum Settlement – In some cases, a fair settlement is the best option for your financial future.
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Common Reasons for Long-Term Disability Denials
Lack of Medical Evidence – The insurer claims you haven’t provided enough proof of your condition.
Pre-Existing Condition Exclusions – The insurance company argues your condition existed before coverage.
Failure to Meet Policy Definitions – Insurers may claim you are not “totally disabled” based on their interpretation.
Missed Deadlines or Paperwork Errors – Administrative mistakes can lead to unfair denials.
Surveillance or Social Media Evidence – Insurers may use video surveillance or online activity against you.
Unfair Medical Reviews – Insurers rely on biased medical assessments to deny claims.
Common Conditions That Qualify for Long-Term Disability
LTD benefits should cover a wide range of medical conditions, including:
Chronic Pain & Fibromyalgia – Debilitating conditions that prevent you from working.
Mental Health Disorders – Depression, anxiety, PTSD, and other psychological conditions.
Neurological Disorders – Multiple sclerosis (MS), epilepsy, or Parkinson’s disease.
Cancer & Autoimmune Diseases – Serious conditions requiring long-term treatment.
Back & Spinal Injuries – Herniated discs, spinal cord damage, and chronic back pain.
Cardiovascular Conditions – Heart disease, stroke recovery, and other cardiac disorders.
Steps to Take After an LTD Denial
Request a Written Explanation – Get the insurance company’s reasons for denying your claim.
Gather Medical Evidence – Strengthen your case with additional medical records and doctor statements.
Avoid Speaking to Insurance Adjusters Alone – They may try to manipulate you into accepting a low offer.
Contact Ontario Injury Lawyers – The sooner we start your appeal, the better your chances of success.
Get a Free Consultation with a Long-Term Disability Lawyer Today
You don’t have to accept an unfair LTD denial. Our experienced legal team is ready to fight for your rights and ensure you receive the benefits you’re entitled to.
📍 Serving clients across Ontario
At Ontario Injury Lawyers, we are committed to protecting disability claimants from unfair insurance practices. Contact us today for a free, no-obligation consultation!
LOCATIONS WE SERVE
- OTTAWA
- HAMILTON
- KITCHENER
- LONDON
- OSHAWA
- WINDSOR
- ST. CATHARINES
- NIAGARA FALLS
- BARRIE
- GUELPH
- KINGSTON
- KANATA
- MILTON
- BRANTFORD
- THUNDER BAY
- SUDBURY
- PETERBOROUGH
PRACTICE AREAS
- CAR ACCIDENT CLAIMS
- WRONGFUL DEATH CLAIMS
- MOTORCYCLE ACCIDENT CLAIMS
- TRUCK ACCIDENT CLAIMS
- ATV ACCIDENT CLAIMS
- DOG ATTACK CLAIMS
- BRAIN INJURY CLAIMS
- SPINAL CORD INJURY CLAIMS
- MEDICAL NEGLIGENCE CLAIMS
- LONG-TERM DISABILITY DENIALS
- CRITICAL ILLNESS CLAIM DENIALS
- SEXUAL ASSAULT CLAIMS
- CHILDREN'S AID SOCIETY NEGLIGENCE