Barrie Long Term Disability Lawyers
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Has your claim for long-term disability (LTD) benefits been denied? Have your benefit payments been terminated even though you should still qualify to receive them?
If you are having difficulty securing the income replacement payments you are rightfully owed by your insurance provider, our Barrie long-term disability lawyers may be able to assist you. By working with our personal injury team in Barrie, eligible claimants may be able to overturn their insurance company’s unfair determination to recover the financial compensation they deserve.
To discuss your situation with an experienced legal professional today, call 1-888-608-2111 or contact us online. Initial consultations with our long-term disability lawyers are completely free and come with no obligation.
Understanding Long-Term Disability Claims in Barrie
Barrie’s workforce includes people in health care, education, construction, transportation, warehousing, retail, hospitality, and many other sectors. Some jobs are physically intensive; others involve high stress or long commutes. A disabling medical condition can affect any of these workers and may be physical, psychological, or a combination of both.
LTD benefits are intended to provide financial security to insurance policyholders who are unable to continue working because of a newly acquired, disabling medical condition. Typically, benefits consist of income replacement up to a certain percentage of pre-disability earnings. To apply for LTD benefits, claimants must provide documentation that demonstrates both the severity and longevity of their disability.
LTD policies differ, but many define disability in two stages. For an initial period, often two years, you may qualify if you cannot perform the essential duties of your own occupation. After that, the definition may change and require that you be unable to work in any occupation for which you are reasonably suited based on your education, training, or experience. Insurers may reassess claims at this transition and sometimes terminate benefits even when the person still feels unable to work.
People with conditions that do not show obvious outward signs, sometimes called “invisible” disabilities, may face additional skepticism from insurers, even when their symptoms are very real and debilitating.
Invisible Conditions and LTD Denials
Some LTD claims are denied, or benefits are cancelled, because an insurer concludes there is not enough “objective” evidence to support the claim, even when a person has consistent reports from their treating doctors and specialists. This can be particularly common with “invisible” conditions that involve pain, fatigue, or mental health symptoms.
Some examples of invisible injuries or illnesses that are often unfairly dismissed by insurers include:
- Whiplash
- Soft tissue injuries
- Depression
- Anxiety
- Post-traumatic stress disorder (PTSD)
- Fibromyalgia
- Arthritis
- Chronic pain
- Traumatic brain injuries (TBIs)
- And more
LTD claimants in Barrie with these conditions may be under the care of family physicians, counsellors, psychologists, psychiatrists, and pain or rehabilitation specialists in the city or in larger urban centres. Our Barrie long-term disability lawyers may be able to help gather and present this medical evidence in a way that addresses the insurer’s concerns.
If your disabling condition stems from a serious accident in or around Barrie, you may also have a separate personal injury claim or access to accident benefits under the Statutory Accident Benefits Schedule. Our Barrie slip and fall lawyers and Barrie car accident lawyers can explain how these claims may interact with your LTD case.
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Since 1959, we’ve helped thousands of Canadians get the compensation they deserve with their long-term disability claims. One of Canada’s oldest personal injury law firms, personal injury law is exclusively what we do. Book a free consultation today with our top-rated personal injury lawyers.
Our team is available 24/7 to speak with you.
How Our Barrie Long-Term Disability Lawyers May Be Able To Help
If your LTD claim has been denied or your benefits have been terminated, you may feel you are being accused of exaggerating or simply not wanting to return to work, even when you are doing your best to manage your health. That can be emotionally draining on top of financial stress.
Our long-term disability lawyers serving Barrie may be able to:
- Review your LTD policy and the insurer’s denial or termination letter
- Explain key terms such as “total disability,” “own occupation,” and “any occupation”
- Work with your treating professionals and independent experts to obtain updated medical reports, functional assessments, and vocational opinions
- Advise you on whether to pursue internal appeals, start a lawsuit against the insurer, or consider other options
- And more
In a lawsuit, it may be possible to seek payment of past benefits that were withheld, a declaration of entitlement to ongoing benefits, interest, legal costs, and, in some cases, additional damages if the insurer has acted in bad faith. Court decisions in Canada have recognized that insurers owe a duty of good faith when handling disability claims.
Call Today to Speak With Our Barrie Long-Term Disability Lawyers
There are many sources of stress and anxiety for people living with a disability, and most of them are related to their finances. If you are unable to work because of your medical condition, LTD benefits can help you continue to support yourself and your family.
Our long-term disability lawyers at our Barrie office appreciate how stressful taking on a large insurance company can seem. At Preszler Injury Lawyers, we do our best to reduce our clients’ stress and worries by handling all aspects of their claims.
To learn more about how our Barrie long-term disability lawyers might be able to provide you with assistance, take advantage of your free initial consultation by calling 1-888-608-2111 or contact us online now.
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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.
More long-term disability Topics
Here’s more information on long-term disability related topics that we think you might find helpful.
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January 21, 2026
Understanding the “Own Occupation” Clause in Long-Term Disability Insurance Benefits
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January 21, 2026
What Happens When Your LTD Benefits Are Terminated After Years of Approval?
When long-term disability (LTD) benefits are terminated after years of approval, it usually signals that the insurance company believes you no longer meet the specific…
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March 12, 2024
Navigating Long-Term Disability and Long COVID in Ontario
Though the days of lockdowns, vaccine passports and physical distancing seem to be mostly behind us, the risk of contracting COVID-19 is still great. At…
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.
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 "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.
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 "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.
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 "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.
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
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
Can I appeal a CPP Disability denial?
Yes, CPP denials can be appealed through the Social Security Tribunal, which reviews applications and medical evidence.
What if my doctor doesn’t support my disability claim?
You may seek a second opinion from another qualified physician to provide additional evidence.
Can the insurance company cut off my benefits without notice?
Insurers may stop benefits if they believe you no longer meet the disability definition, but they must provide reasons.
Will my employer know about my disability claim?
Employers usually only know that you’re receiving LTD benefits, not the details of your medical condition.
What happens if I’m approved for CPP Disability benefits?
Your LTD insurer may deduct CPP benefits from your LTD payments. Approval for CPP Disability may strengthen your LTD case.
Can I work part-time while receiving long-term disability benefits?
Sometimes, policies allow partial benefits if you can work reduced hours. The rules depend on your policy language.
Can my LTD benefits be taxed?
Taxation depends on whether your premiums were paid with pre-tax or after-tax income. If your employer paid the premiums, your benefits may be taxable.
What if my employer terminates me while on disability?
Employment termination doesn’t automatically cancel your LTD benefits. Your coverage may continue as long as you were covered when you became disabled.
LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN BARRIE?
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Learn how we can challenge your denial or termination and help you secure the benefits you’re entitled to.
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Preszler Injury Lawyers assists clients throughout Barrie and across Canada with a wide range of legal matters.
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