Courtice Long-Term Disability Lawyers
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No one plans to be seriously injured or to develop a disabling physical or mental illness. Unfortunately, circumstances outside of your control can suddenly prohibit you from engaging in the activities you once enjoyed or performing your job.
People living with a disability in Courtice experience a wide range of physical, emotional, and economic challenges. Many find it impossible to continue working because of their debilitating condition, leading to a loss of regular wages and significant financial instability. Long-term disability (LTD) insurance offers income support to eligible policyholders when a condition leaves them unable to work for extended periods of time.
Unfortunately, LTD insurers sometimes unfairly deny, delay, or terminate policies, even when claimants are technically eligible. At Preszler Injury Lawyers, our long-term disability lawyers serving Courtice have years of combined experience helping clients challenge unfair insurer decisions to secure the payments they’re owed. To find out if we may be able to help you, schedule a free consultation today.
Understanding Long-Term Disability Coverage in Courtice, Ontario
Long-term disability (LTD) insurance is designed to provide a financial safety net when you are unable to work for an extended period. Many people have access to these benefits through group insurance plans offered by their employers. Others may choose to protect themselves by paying for a privately held insurance policy independently. Regardless of the type of policy, if you have the appropriate coverage, you should be able to access monthly LTD payments if a medical condition prevents you from working.
In most cases, LTD benefits are not immediately available. Policyholders must typically exhaust all other available benefits first, such as short-term disability (STD) or Employment Insurance (EI) sickness benefits. Once these are depleted and the “waiting period” defined in your policy has passed, you can begin receiving a percentage of your regular salary—usually between 60% and 70%
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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.
Common Medical Conditions That Qualify for LTD Benefits
Eligibility requirements for LTD benefits differ between policies. However, some common conditions that might qualify an insured individual to receive monthly LTD benefits payments often include:
- Heart disease and other cardiovascular conditions.
- Severe back problems, spinal cord injuries, or paralysis.
- Chronic pain or complex regional pain syndrome (CRPS).
- Autoimmune disorders such as Lupus, Lyme disease, or psoriatic arthritis.
- Fibromyalgia and other conditions that cause widespread pain and fatigue.
- Mental health conditions, including depression, bipolar mood disorder, and post-traumatic stress disorder (PTSD).
- And more
Our firm often helps clients who have been injured in motor vehicle collisions or on another person’s property. Our LTD lawyers frequently collaborate with our Courtice car accident lawyers and Courtice slip and fall lawyers to explore all avenues of compensation for our clients if their disabling condition is a result of another party’s negligence.
The Shift from “Own Occupation” to “Any Occupation”
One of the most complex aspects of an LTD claim is the “change of definition” that often occurs after two years of receiving benefits. Most policies initially define disability based on your inability to perform the duties of your “own occupation.”
However, after 24 months, the definition usually shifts. To continue receiving benefits, you must prove that your condition prevents you from performing the duties of “any occupation” for which you are reasonably suited by way of education, training, or experience. This transition is a common point where insurance companies attempt to terminate benefits, claiming that while you cannot do your old job, you are fit for some other type of work.
Why Do Insurance Companies Deny Valid LTD Claims?
Sadly, even after using up all other benefits available to them and providing thorough, compelling medical evidence, insurance providers can still find reasons to deny an eligible policyholder’s claim for LTD benefits. Insurance companies can also decide to prematurely terminate a recipient’s payments, even if their disabling medical condition persists.
They may argue that your medical records do not support a finding of “total disability” or that you are not following a prescribed treatment plan. In some cases, insurers may even use video surveillance or social media activity to suggest that your limitations are not as severe as reported.
If your claim for LTD benefits was turned down or terminated even though your injury or illness makes it impossible for you to work, our Courtice long-term disability lawyers may be able to help you overturn your insurer’s unfair decision.
How Our Courtice Long-Term Disability Lawyers Can Help
Standing up to a large, intimidating insurance company can seem like an impossible task, especially when you are already dealing with a health crisis. By working with our Courtice personal injury lawyers, policyholders who have been treated unfairly may be able to recover compensation for:
- Previously denied benefits payments
- Legal fees
- Damages they have incurred as a result of your claim’s initial denial
- Punitive damages
- And possibly more
We can handle the complexities of your legal claim while you focus on your recovery.
The Importance of Meeting Legal Deadlines
If you intend to file a lawsuit against your insurance provider for denied benefits, you must be aware of the strict deadlines set out in the Limitations Act, 2002. Generally, you have two years from the date your benefits were first denied to start legal proceedings.
However, the specific terms of your insurance policy may also include internal deadlines for appeals that must be met. Failing to act within these windows could result in the loss of your right to pursue the compensation you are rightfully owed.
It is recommended that you contact a long-term disability lawyer serving Courtice as soon as possible to avoid missing any important time limits or deadlines in your case.
Speak With Our Courtice Long-Term Disability Lawyers Today
If you have been unfairly treated by your insurance company, do not lose hope. At Preszler Injury Lawyers, all prospective clients receive a free initial consultation on their cases, during which they will have the opportunity to go over the circumstances of their situation and receive personalized legal advice tailored to the details of their case.
To learn more, contact us today and take advantage of your free initial consultation.
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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
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Navigating Long-Term Disability and Long COVID in Ontario
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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 COURTICE?
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