Sarnia Long Term Disability Lawyer
Find out if you have a case today.
Contact our Sarnia long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
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If your insurance plan includes coverage for Long-Term disability (LTD) benefits, you might be able to recover the payments you are owed after sustaining a serious injury or developing a physical or mental illness that prevents you from carrying out the duties of your job. Insurance policyholders or the employers that sponsor their group insurance plan pay monthly premiums to insurance companies so that, in case they need to rely on their coverage to help them through a challenging and frightening time, they will be able to access the benefits they are owed without undue suspicion, scrutiny, or disbelief.
Unfortunately, that is not always the case. Insurance companies often look for reasons to turn down LTD benefits claims from eligible policyholders and withhold the payments to which they are rightfully entitled.
Insurance companies do not have an obligation to disclose what percentage of LTD claims are denied each year, but judging by the large amount of disability claims denied each year by the Canada Pension Plan (CPP), it can be presumed that more than half of all LTD claims submitted to insurance providers throughout the country are initially denied.
Any policyholder whose claim for LTD benefits was denied should have the chance to formally appeal their insurer’s unfair determination. That said, the idea of standing up to a large, intimidating insurance company can feel like an insurmountable challenge, especially for people doing their best to endure the day-to-day struggles of living with a disability. Many people think picking a fight with an insurance company will be a long, expensive, and ultimately fruitless process. Oftentimes, people whose claims for LTD benefits have been denied simply walk away from the fight rather than standing up for the fair treatment they deserve.
Our Sarnia Long-Term disability lawyers know just how terrifying it can be to stand up to insurance companies, especially when they employ unfair tactics to withhold the funds on which you are reliant. We are committed to working on behalf of mistreated policyholders in the community to help them recover the accountability and financial compensation they are duly owed.
Many people who can no longer work or earn their regular salaries rely on LTD benefits to cover their most basic costs of living. As such, the prospect of paying large sums of money to try overturning their insurance provider’s unfair decision can seem illogical. However, our Sarnia Long-Term disability lawyers work on a contingency-fee basis. That means, if you are eligible to pursue legal action against your insurer, you will not be charged a cent unless we win your case. Our fees will be based on a percentage of the total amount of compensation you are awarded. By making our services available in this manner, you can focus all your energy on coping with your medical condition while we devote our resources to your case.
By working with our Long-Term disability lawyers serving Sarnia, you might be able to recover costs related to:
- Previously denied benefits
- Legal fees
- Damages incurred as a result of your claim’s initial denial
- Punitive damages
- And possibly more
Schedule Your Free Initial Consultation With Our Sarnia Long-Term Disability Lawyers
LTD benefits typically cover between 60-70% of a recipient’s regular income. If you cannot continue earning your normal wages because you have been diagnosed with a severe, disabling medical condition, LTD benefits could help you retain a degree of financial stability during a fraught and challenging time in your life.
If your claim for LTD benefits was denied, take advantage of a free initial consultation with our Sarnia Long-Term disability lawyers.
Do you live in Sarnia? Here’s how we can help:
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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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