Milton Long Term Disability Lawyer
Find out if you have a case today.
Contact our Milton long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
No one anticipates having to stop working in their chosen occupational field because of a severe injury or debilitating physical or mental illness. That is why many companies provide their employees with group insurance plans covering Long-Term disability (LTD) benefits, or why certain people may choose to purchase their own insurance policy independently of their employer. When the worst case scenario happens, insurance policyholders expect that the coverage for which they (or their employer) have paid monthly premiums will be made available to them readily, and without hassle.
That said, for a number of different reasons– many of which are perplexing and difficult to comprehend– insurance providers frequently deny eligible policyholders’ claims for LTD benefits. In fact, based on both anecdotal evidence and the number of Canada Pension Plan (CPP) disability claims that are denied each year, it can be ascertained that more than half of all LTD claims submitted across the nation are initially declined by insurance providers.
Unfortunately, if your claim for LTD benefits has been denied, there is not much solace in knowing that you are in the same situation as most claimants. Receiving a medical diagnosis for a disabling physical or mental condition can be one of the most challenging experiences a person might be forced to undergo throughout their entire lives. Without a secure, stable source of income, people who cannot continue working through no fault of their own might find themselves facing financial disaster.
Additionally, even applicants whose claims for LTD benefits have been approved might encounter difficulties with their insurance provider after receiving disability coverage for twenty-four months. After this arbitrarily determined length of time, many insurance providers update their definition of disability, disqualifying many LTD benefits recipients from continuing to receive their coverage.
This can happen when, after two-years, an insurance policy’s definition of disability is updated from “Own Occupation” to “Any Occupation.” In order to initially qualify for LTD benefits, eligible policyholders must be able to provide evidence proving that their medical condition makes it impossible for them to perform the duties of their own job. However, many insurance policies change this eligibility requirement after twenty-four months. In order to continue receiving their income replacement payments, benefits recipients must be able to prove that their medical condition prevents them from performing any job.
Many disabling medical conditions do not improve over the course of two years. Even though their insurance plan’s terms and conditions have changed, the severity of their medical conditions could very easily remain the same. LTD benefits recipients might still be unable to return to work in their occupational field, and yet their income replacement payments could be terminated, regardless.
At Preszler Injury Lawyers, our Long-Term disability lawyers serving Milton are passionate about helping the clients we represent navigate the often complicated and confusing process of appealing an insurance provider’s unfair decision. If your claim for LTD benefits was unfairly denied, or if your payments were terminated prematurely, our Milton Long-Term disability lawyers may be able to help you recover the compensation to which you are rightfully entitled. Oftentimes, this compensation includes payments for:
- Previously denied benefits payments
- Legal fees
- Damages incurred because the claim’s initial denial
- Punitive damages
- And possibly more
Call Our Milton Long-Term Disability Lawyers Today
By taking advantage of a free initial consultation with our Long-Term disability lawyers serving Milton, even if you are unsure whether you might be eligible to fight your insurer’s unfair decision, you will have the opportunity to review the circumstances of your case with Preszler Injury Lawyers and receive specific, personalized legal feedback about options that might be available to you at no cost whatsoever.
To book your free initial consultation, contact us online or call 1-800-JUSTICE today.
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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.



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.
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More long-term disability Video Resources
We also have some videos on the topic of long-term disability claims
long-term disability FAQs
Here are some commonly asked questions for long-term disability claims
How long will it take to settle my case?
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.
How much will I pay in lawyers’ fees?
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.
How long do I have to sue?
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.
Do I have a strong case?
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.
How much compensation will I get?
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.
Do you represent insurance companies?
No, our long-term disability lawyers are solely committed to protecting the rights of policyholders who have been unfairly treated by insurance providers.
Will the insurance company continue to pay my disability benefits after we settle the case?
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.
Should I speak to the adjuster on my file after my benefits have been terminated?
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.
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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