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Has your claim for long term disability denied? We specialize in handling disability denied cases and we’ll fight for you.

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LTD Claim Denied? Let Ontario’s Trusted Lawyers Help You Win

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Having your disability claim or benefits suddenly denied can leave you feeling stunned and without options. Even if you have compelling medical evidence that proves your inability to return to work, insurers often deny claims, leaving families in financial crisis.

We understand how upsetting and frustrating a claim denial experience is. Our experienced long term disability lawyers are dedicated to assisting you in advocating for the benefits you deserve. With a successful history of resolving claims for many clients throughout Ontario, we are here to support you at every stage.

If you’re in a situation where your long term disability denied claim is causing stress, being prolonged without legitimate cause and you feel like being in a never ending loop with delays from insurance companies and their requests, having a lawyer by your side can make all the difference. Our experienced disability lawyers in Ontario specialize in handling cases where long term disability benefits are denied. We know how to challenge insurers and fight for the compensation you deserve, helping you navigate this difficult time with confidence.

Read more on our blog about 10 must-know facts about long-term disability benefits in canada

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At Alam Law, we operate on a contingency fee basis. This means you only pay for our legal services if we win your case. By aligning our success with your success, we ensure that effective legal representation is accessible to everyone.

Our focus is solely on providing you with the support and representation you need without adding to your financial burden.
 
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How Our Long Term Disability Lawyers Help?

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Expertise You Can Trust

At Alam Law, we bring years of experience and a proven track record in managing complex long-term disability (LTD) claims across Ontario. Our skilled long term disability lawyers understand the intricacies of LTD cases, enabling them to anticipate challenges and develop tailored strategies for each unique situation. From initial applications to high-stakes disputes, our expertise gives clients a clear advantage. Know what your insurer doesn’t tell you about long-term disability appeals

Comprehensive Support for Claims and Appeals

Filing an LTD claim can feel challenging, but our long term disability lawyer ensures every document and detail is meticulously prepared to strengthen your application. In the event of a denied claim, we work tirelessly to file appeals, leveraging our legal expertise and thorough investigations to overturn unfavorable decisions and achieve justice for our clients.

Effective Negotiation with Insurers

Insurance companies often aim to minimize payouts, resulting in unfair settlements. At Alam Law, our disability lawyers are skilled negotiators who advocate firmly and professionally to secure fair compensation. With a deep understanding of insurance policies and tactics, we are well-equipped to protect your rights and fight for a favorable outcome.

Strong Litigation Advocacy

When negotiations fall short of delivering an acceptable resolution, our team is fully prepared to take your case to court. Our litigation lawyers excel in presenting compelling arguments, backed by solid evidence and legal precedent, to pursue the benefits you deserve.

Effective Negotiation with Insurers

Compassionate support is the cornerstone of our approach. At Alam Law, we take the time to listen and understand your unique challenges, whether related to disability benefits or legal barriers—creating legal strategies as distinctive as your needs. From your initial consultation through to the conclusion of your case, our team is dedicated to keeping you informed, supported, and confident every step of the way.

Types of Injuries Covered In Long Term Disability Claims

Physical Injuries: Physical injuries are among the leading causes of long-term disability (LTD) claims. These include chronic back painmusculoskeletal disorderstraumatic brain injuries, repetitive strain injuries, and amputations. Such conditions can severely limit an individual’s ability to perform their job, often rendering them unable to work effectively.

Mental Health Conditions: Mental health disabilities are increasingly recognized in LTD claims. Disorders such as depressionanxietypost-traumatic stress disorder (PTSD), and other psychiatric or psychological conditions can be just as incapacitating as physical injuries. These issues often demand thorough evaluation and extended support to ensure proper care and accommodations.

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Chronic Illnesses: Chronic illnesses, including multiple sclerosiscancerheart disease, and diabetes, frequently result in long-term disabilities. These conditions often require continuous medical treatment and may lead to unpredictable work capacity. Having LTD coverage is crucial to maintaining financial stability and adapting to fluctuating health challenges.

Comorbid Conditions: Comorbid conditions, where a claimant suffers from multiple overlapping disabilities, such as a combination of physical and mental health challenges, can make LTD claims particularly complex. The interplay of these conditions often exacerbates their impact, requiring meticulous medical evidence and detailed documentation to build a strong case. Our Long term disability lawyers play a critical role in navigating these multifaceted claims to secure the necessary benefits.

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Disability Denied? Speak to a Long-term disability Lawyer Today 

Disability Claims We Specialize In

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Long-term Disability

Long-term disability (LTD) benefits offer financial support for individuals unable to work for extended periods due to serious illnesses or injuries. Provided through insurance policies, these benefits can cover a portion of lost income, helping individuals manage expenses during recovery. However, if your long term disability denied claim has left you without support, it’s important to understand the reasons and explore options to appeal. LTD benefits typically require medical documentation and may involve ongoing assessments to confirm the inability to work.

Short-term Disability

Short-term disability (STD) benefits are designed to provide temporary financial assistance to employees who are unable to work due to a medical condition or injury. These benefits generally cover a portion of your income and last for a defined period, often a few weeks to months, depending on the policy. Short-term disability allows employees to recover without immediate financial stress, bridging the gap before returning to work or transitioning to long-term disability.

Read more on our 2025 guide on Short-term Disability Claims in Toronto.

CPP Disability

The Canada Pension Plan (CPP) Disability benefit is a government program that offers monthly income support to those who are unable to work due to a severe and prolonged disability. To qualify, individuals must meet specific eligibility criteria, such as paying into the CPP during their working years and providing medical evidence of their condition. This program helps Canadians maintain financial stability when faced with long-term health challenges.

Know more about the importance of having a CPP Disability Lawyer.

Terminations Due to Disability

Terminations due to disability occur when an employer ends an employee’s contract because of their inability to perform work duties due to a medical condition. While employers must accommodate disabilities to a reasonable extent, there are situations where termination may occur if accommodations cannot be made without undue hardship. However, such terminations must comply with employment laws, and employees may have grounds to challenge unfair dismissals.

Critical Illness Claims

We all hope to never face a critical illness, but unfortunately, they can happen unexpectedly. In such cases, employees may be entitled to certain benefits and accommodations from their employers. Critical illness claims refer to requests for time off or work adjustments due to a serious medical condition that affects the employee’s ability to work.

Long Term Disability Frequently Asked Questions
Long-term disability (LTD) coverage depends on the terms of your specific insurance policy, as the definition of “disability” can vary between providers. However, many policies commonly cover conditions such as chronic back pain, traumatic brain injuries, strokes, arthritis, multiple sclerosis, spinal cord injuries, lupus, heart disease, and digestive disorders. While these are often eligible, every case is assessed individually based on the policy’s criteria and medical documentation.

The details needed for a disability claim can vary depending on the situation, but most forms typically ask for the following:

  • Personal and contact information
  • Details of healthcare providers you’ve seen
  • Banking information for payments
  • Information about your income sources
  • Employment history and work details
  • A formal diagnosis of your condition

Make sure to clearly describe your symptoms to your doctor. A thorough and accurate medical assessment can support your claim and help you receive the compensation you’re entitled to.

Yes, individuals unable to work due to long-term injuries may qualify for financial assistance through the Canada Pension Plan (CPP) Disability Benefit. This program provides monthly payments to those under 65 who meet the eligibility criteria, including sufficient CPP contributions. Generally, you must have contributed to the plan for at least 4 of the last 6 years to qualify.

Yes, you can still apply. As long as your employer-provided benefits included LTD or short-term disability coverage while you were employed, you are eligible to submit a claim.

A long term disability lawyer can help you apply for LTD benefits. They can review your policy and determine if you meet the eligibility requirements, as well as help gather necessary documentation to support your claim. If your claim is denied, a lawyer can assist in appealing the decision and representing you in any legal proceedings.

Yes, if workplace stress or burnout has led to anxiety, depression, or another condition that makes it impossible for you to perform your job, you may qualify for long-term disability benefits. Be sure to provide medical documentation supporting your claim to strengthen your application.

Our disability lawyers put their knowledge of the law and years of experience to work helping you obtain the compensation you deserve.

Our disability lawyers work for you under a contingency fee arrangement. The fee is a percentage of the total amount recovered on your behalf.

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Your 100% free (no obligation) consultation is always with a qualified member of our legal team. The details you share are held in strict confidence.

Leadership

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Muhammad Alam

Founder & Managing Barrister

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M. Aftab Alam

Managing Barrister

Laurencia Fasoyiro

Laurencia Fasoyiro

Senior Lawyer

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Naina Tandon

Senior Lawyer

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