Milton Long Term Disability Lawyer

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 employers in Milton provide their staff with group insurance plans that include long-term disability (LTD) benefits, and why some people purchase their own private disability coverage. When the worst-case scenario happens, policyholders expect that the coverage they have paid premiums for will be available when they need it most.

Unfortunately, for reasons that can be confusing and frustrating, insurance providers frequently deny legitimate claims for LTD benefits. Across Canada, a significant percentage of LTD claims are initially declined or later cut off, even when claimants have ongoing medical issues.

Living with a disability in Milton often means juggling medical appointments, rehabilitation, and family responsibilities. Commuting to appointments at Milton District Hospital or into Toronto for specialist care can be time-consuming and expensive. Long-term disability benefits are meant to help bridge that financial gap so that you can focus on your health rather than worrying about missed paycheques.

Whether you worked in one of Milton’s industrial parks near Highway 401, at local retail centres, or in professional roles that required commuting to the GTA, our Milton long-term disability lawyers can factor the realities of your work history and local job market into your LTD claim. At Preszler Injury Lawyers, our personal injury lawyers in Milton offer free initial consultations for all potential clients struggling with their LTD insurance.

Why Milton LTD Claims May Be Denied

Insurance companies are profit-driven businesses. Even when claimants provide extensive medical evidence, insurers often look for reasons to deny or limit payments. Common justifications for denying or terminating LTD benefits include:

• Alleged lack of “objective” medical evidence in clinic or hospital records
• Conflicting opinions between your treating physicians and the insurer’s independent medical examiner
• Suggestions that you can perform a different job, even if that job is unrealistic in the Milton labour market
• Claims that you did not follow every recommended treatment or missed some appointments
• Technical arguments about late forms, incomplete paperwork, or policy exclusions

Many Milton workers also apply for CPP Disability. Approval for CPP Disability can sometimes strengthen an LTD case, but insurers may still argue that your condition does not meet the wording of your policy.

If you received a denial letter, or if your insurance company, based in Ontario or elsewhere, has suddenly stopped paying your benefits, you do not have to accept that decision at face value.

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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.

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How LTD Policies Change From “Own Occupation” To “Any Occupation”

Even when Milton policyholders are initially approved for LTD benefits, problems often arise after about twenty-four months. Many insurance policies change the definition of disability at that point. For the first stage, you may only need to show that your medical condition prevents you from doing the essential duties of your own occupation. After the change in definition, you may be required to prove that you are unable to perform any occupation for which you are reasonably suited by your education, training, or experience.

Many disabling physical and mental conditions do not significantly improve over a two-year period. Even if your symptoms remain the same, your insurer may decide that you should be able to perform some other type of work, and use that conclusion as a reason to terminate your LTD payments. This can happen even when your treating doctors and rehabilitation providers in Milton maintain that you are not realistically capable of returning to gainful employment.

If your LTD benefits have been cut off because of a change in definition, it does not necessarily mean you no longer qualify. Our Milton long-term disability lawyers regularly help clients across Ontario challenge unfair terminations based on the “own occupation” to “any occupation” change.

How Our Milton Long-Term Disability Lawyers May Be Able To Help

At Preszler Injury Lawyers, our long-term disability lawyers serving Milton help clients navigate the legal and procedural steps involved in fighting an unfair denial or termination of LTD benefits.

Depending on your situation, our team may be able to:

• Review your LTD policy, medical records, and denial letter to identify the insurer’s arguments
• Work with your family physician and specialists at clinics or hospitals in Milton and the Halton Region to strengthen your medical evidence
• Coordinate independent medical or functional assessments where appropriate
• Communicate directly with the insurance company on your behalf so you are not pressured into saying something that could harm your claim
• Pursue a negotiated settlement or, if necessary, start a lawsuit in Ontario courts to hold the insurer accountable

In many cases, successful LTD appeals or lawsuits can recover previously denied or withheld LTD payments, certain legal expenses, and additional damages where an insurer’s conduct has been particularly unfair

Our firm works on a contingency fee basis. You do not pay legal fees unless your case is successfully resolved. For more details, review our frequently asked questions about Ontario long-term disability claims. 

Contact Our Milton Long-Term Disability Lawyers Today

By taking advantage of a free initial consultation with our long-term disability lawyers serving Milton, you can review the circumstances of your case and learn about your options at no cost.

If your LTD application was denied, your benefits were unfairly cut off after a change in definition, or you are unsure how to proceed with a new claim, contact us to discuss your situation.

Call 1-888-608-2111 or reach out through our online form to schedule your free consultation with Preszler Injury Lawyers.

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LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN MILTON?