Serving all of Canada. Book a consultation with us.

Preszler Injury Lawyers

Serving all of Canada. Book a consultation with us.

Preszler Injury Lawyers

Bowmanville Long Term Disability Lawyer

Find out if you have a case today.

Contact our Bowmanville long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.

Table of Contents

The road to recovery is often full of uncertainty. People who have developed medical conditions that prevent them from working often experience tremendous anxieties. If someone cannot perform the duties of their job because of a debilitating injury, physical illness, or mental disorder, they may not know how they will be able to continue supporting themselves or providing for their families.

People living with a disability are often faced with difficult decisions. When their disability makes it impossible for them to continue working in their occupational field, they might not be able to afford both their regular costs of living and newly acquired expenses related to their disabling medical condition. All of this financial precarity can exacerbate serious mental health conditions often developed by injured or ill patients, such as depression and anxiety. A person’s physical, mental, and financial well-being can all be totally undermined, through absolutely no fault of their own.

That said, certain people may have access to Long-Term disability (LTD) benefits through their employer’s group insurance plan or through a policy that they themselves pay for privately. Severely injured or ill policyholders who cannot return to work because of their newly acquired medical conditions may be able to file a claim for LTD benefits if their insurance plan includes an appropriate level of coverage.

LTD benefits typically provide recipients with between 60-70% of their regular wages. Depending on the terms of individual insurance policies, this payment amount might be subject to certain funding caps. Unsalaried, hourly employees whose insurance coverage includes LTD benefits might receive a payment assessment based on their average regular earnings, rather than the highest amount they might make in a week. But, despite the fact that available payments will most certainly not cover their total, regular earnings, LTD benefits can be crucial sources of income for disabled Bowmanville residents.

Unfortunately, for a number of different reasons, insurance companies may see it fit to deny an applicant’s claim for LTD benefits, even when they supply thorough proof illustrating the preventative effect their medical condition has on their ability to carry out the tasks associated with their jobs. Insurance providers often deny claims for LTD benefits because:

  • Insufficient supporting medical evidence was included in the application
  • Claim was filed late, past requisite deadlines
  • There no objective evidence of disability (often the case with “invisible” injuries or illnesses)
  • The medical condition does not meet the insurance policy’s definition of “disability”
  • The policy includes contractual stipulations (often excluding pre-existing conditions) that disqualify a claimant’s application
  • The claimant refused to undergo an independent medical examination (IME)
  • And more

If your claim for LTD benefits was denied even though your medical condition makes it impossible for you to continue working, our Bowmanville Long-Term disability lawyers may be able to help you fight your insurer’s unfair decision. To learn more about courses of legal action that might be available to you, schedule a free initial consultation with our Long-Term disability lawyer serving Bowmanville today.

Call 1-800-JUSTICE To Speak With Our Bowmanville Long-Term Disability Lawyers

When you take advantage of your free initial consultation with our Long-Term disability lawyers serving Bowmanville, you will have the opportunity to discuss the impact your condition has on your ability to perform your job, ask questions about why your claim was denied, and review options you may be able to undertake in order to get the payments you deserve.

To review your case with our Bowmanville Long-Term disability lawyers and receive personalized, case-specific advice, call 1-800-JUSTICE to contact Preszler Injury Lawyers today.

Proudly Canadian

Award Winning Personal Injury Law Firm

We are proud to be one of Canada’s oldest and long-standing personal injury law firms. Since 1959, we have been providing exceptional legal services and have established ourselves as leading personal injury lawyers in the Canadian legal community. It’s not just the awards that recognize our achievements, but also the wins we’ve achieved for thousands of Canadians with their long-term disability claims.

Preszler Injury Lawyers Consumer Choice 2024Preszler Injury Lawyers Best Lawyers 2025Preszler Injury Lawyers Best Law Firms 2025

Case Results

long-term disability Settlements

Please note that past results are not indicative of future results as each scenario presents itself with its unique set of circumstances. But here are some long-term disability related wins we’ve had for our clients.

Settlement

Long-Term Disability

$2.2M

Our client was denied LTD payments after struggling with mental health problems. We settled for more than $500,000 over the policy value due to the insurance company’s bad conduct.

Settlement

Long-Term Disability

$995K

The individual was a trader who had a nervous breakdown during the 2008 financial crisis. His insurer initially denied his LTD claim but we were able to challenge that successfully.

Settlement

Long-Term Disability

$900K

We successfully obtained a settlement for an employer who was denied LTD benefits after being fired by his employer.

Settlement

Long-Term Disability

$750K

Client unable to work relating to health issues.

Settlement

Long-Term Disability

$750K

We successfully obtained a settlement for an individual denied benefits due to a pre-existing condition, when they had an “own occupation” disability benefit policy.

Settlement

Long-Term Disability

$713K

We successfully achieved a settlement for a client with CRPS who had their benefits cut-off after attempting to return to part-time work. Inclusive of $130,000 in punitive damages.

Settlement

Long-Term Disability

$440K

We successfully negotiated a larger settlement for our client, including $100,000 in punitive damages, after an insurer claimed their partial paralysis did not qualify for benefits due to wrongful surveillance.

Settlement

Long-Term Disability

$420K

We sucessfully obtained a settlement for a client whose benefits were denied due to their insurer’s misinterpretation of their own medical reports. This included $100,000 in punitive damages.

View More Results

Download Our "Long-Term Disability Appeals" E-Book

Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.

Long-Term Disability Appeals

In this ebook, you’ll learn:

  • The difference between an internal appeal and a lawsuit
  • How the LTD appeals process typically works in Ontario
  • What evidence you can gather to strengthen your appeal
  • How to respond to insurance company requests and other tactics they might use
  • What deadlines may apply to your appeal
  • The benefits of working with an LTD lawyer when you need to appeal your denied claim
  • And more
Download Our E-Book

Download Our "I’m Approaching Change of Definition" E-Book

Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.

I’m Approaching Change of Definition

This ebook will help you:

  • Understand what “change of definition” means when it comes to LTD policies
  • Learn when this shift typically occurs and how it might affect your eligibility
  • Know what evidence you can collect to support your continued claim
  • Identify warning signs that a denial or termination might be coming
  • Explore your legal options when your insurer cuts off your benefits
  • Discover how a long-term disability lawyer can advocate for your rights
  • And more
Download Our E-Book

Download Our "Denied Long-Term Disability Benefits" E-Book

Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.

Denied Long-Term Disability Benefits

In this ebook, you’ll learn:

  • Common reasons why long-term disability claims are denied in Ontario
  • What to do immediately after receiving an LTD denial
  • The difference between appealing a denial and filing a lawsuit against your insurer
  • How to gather strong medical and occupational evidence to support your claim
  • What deadlines apply to LTD claim disputes
  • How our long-term disability lawyers can help you build a strong case
  • What compensation you may be entitled to
  • And more
Download Our E-Book

Download Our "Applying for Long-Term Disability Benefits" E-Book

Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.

Applying for Long-Term Disability Benefits

In this ebook, you can read about:

  • Who qualifies for LTD benefits in Ontario
  • How to effectively complete your LTD application package
  • What medical and employment documentation you need to collect
  • How insurance companies evaluate LTD claims
  • Tips to avoid common errors that may lead to delays or denials
  • What to do if your claim is denied
  • How our long-term disability lawyers can support your application
  • And more
Download Our E-Book

long-term disability FAQs

Here are some commonly asked questions for long-term disability claims

The duration of a long-term disability case can vary depending on a number of factors, including the reasons provided for the claim’s denial, the policyholder’s standing with their insurance provider, the complexity of the claimant’s case, the willingness of the insurance company to negotiate, Court availability, and other considerations. Generally speaking, it can take between 1-3 years for a fair resolution to be reached.

Our long-term disability lawyers work on a contingency fee basis. That means we only get paid if the case is won, and our fees are based on a percentage of the compensation awarded. You will not be required to pay any upfront fees out-of-pocket in order to pursue legal action.

The statute of limitations for a long-term disability lawsuit in Ontario is generally two years from the date of the denial of benefits or the last payment of benefits. However, depending on the circumstances of the case, the lawsuit could be subject to additional time limitations. It is crucial to speak with a long-term disability lawyer as soon as possible, so as to not jeopardize your chances of recovering the compensation you deserve.

The answer to this question depends on the facts of your individual case. Our Ontario long-term disability lawyers should be able to evaluate the terms of your policy, review the evidence available to you, and consult with medical experts to assess the strength of your claim.

It is almost impossible to predict the specific amount of compensation you might be entitled to, however after reviewing the details of your case, our Ontario long-term disability lawyers may be able to provide you with an estimate that you could reasonably expect to be offered. The decision to accept settlement offers is yours and yours alone.

No, our long-term disability lawyers are solely committed to protecting the rights of policyholders who have been unfairly treated by insurance providers.

The answer to this question depends on the terms of your individual settlement. In most cases, the settlement will include a lump sum payment for past and future benefits. After agreeing to these terms and accepting this settlement offer, future benefits will no longer be paid. However, in some scenarios, insurance companies may only offer to settle for past benefits owing and might agree to continue paying benefits after the case is settled until the terms of the policy are reached.

It is not recommended that you speak to the adjuster on your file after your benefits have been terminated. Anything you say could be used against you. That is why it is best to consult with our long-term disability lawyers before communicating with your insurance company.

Read More FAQs

Got more questions?

If you have more questions or need legal help regarding long-term disability claims, contact our legal team for help.

We’re happy to help.

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