Orangeville Long Term Disability Lawyer
Find out if you have a case today.
Contact our Orangeville long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
Table of Contents
Long-Term disability (LTD) benefits are designed to help seriously ill or injured insurance policyholders when they are unable to carry out the duties of their jobs because of a prolonged, disabling medical condition. Eligible claimants who have the appropriate level of insurance coverage and cannot continue performing the tasks associated with their current occupations because of a disabling medical condition may be entitled to receive between 60-70% of their regular wages through monthly payment installments.
Unfortunately, many insurance companies find reasons to deny claims for LTD benefits submitted by policyholders whose medical conditions legitimately prevent them from doing their jobs. As a matter of fact, even though insurers are not compelled to disclose exactly what percentage of LTD claims are denied each year, by examining the number of disability claims annually denied by the Canada Pension Plan (CPP), it can be determined that more than half of all LTD claims are initially denied by insurance companies.
Additionally, even people who have received LTD benefits could have their payments terminated by their insurance providers prematurely. Oftentimes, this occurs for reasons that can seem arbitrary and unfair. Insurance companies might cease making payments to qualified recipients of LTD benefits because:
- The policy’s definition of disability changed after 2 years of providing LTD payments
- The policy has time limitations for certain conditions
- The policyholder did not continue receiving medical treatment
- Surveillance investigations conducted by insurance companies found the policyholder engaging in questionable activities
- Videos, photos, and other social media posts shared by the policyholder are misconstrued or taken out of context by insurance companies
- And more
The insurance coverage available to disabled workers is not intended to fully replace their total lost income when they become unable to continue working. In fact, many insurance plans impose a cap on how much coverage policyholders might be entitled to receive. That said, for people struggling to manage the debilitating symptoms of their disabling medical conditions, LTD benefits often provide a crucial degree of financial security. Without access to these critical benefits payments, disabled workers might find it impossible to continue making ends meet.
If your claim for LTD benefits was denied even though your medical condition makes it impossible for you to perform the duties of your job, or if your LTD benefits payments have been terminated even though you are still not capable of returning to work, our Orangeville Long-Term disability lawyers may be able to assist you. To learn more, contact us today.
Call Our Long-Term Disability Lawyers Serving Orangeville
Our Orangeville Long-Term disability lawyers provide all prospective clients with a free initial consultation. Even if you are unsure whether you might be able to pursue further action against your insurer to recover the coverage you are owed, consider taking advantage of your free initial consultation. By doing so, you will have the opportunity to review the details of your case, learn about options for legal action that might be available to you, and receive case-specific advice tailored to your unique set of circumstances.
To learn more, schedule your cost-free, no-obligation first meeting with our Long-Term disability lawyers serving Orangeville by calling 1-800-JUSTICE.
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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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