Long Term Disability Benefit Denials
If your long-term disability benefits have been denied or terminated, you may have legal options. Cariati Law helps individuals across Ontario challenge insurance decisions with no upfront cost and free consultations available 24/7.
Get Your Free Case Evaluation Today
Knowing how to deal with all of the complex issues of your disability claim is critical to the success of your case.
Many Canadians receive Long Term Disability Insurance coverage through their employer. Others purchase individual plans through an insurance company directly. No matter how you are covered, Cariati Law can help you work through the details of your claim, getting you the most out of your policy and the maximum in benefits.
Provisions of your policy that we will explore in-depth include:
Your daily benefit amount
Deductible or waiting period
Guaranteed renewable
Maximum policy benefit
Pre-existing condition limitations
Policy exclusions
And more
Contact a Cariati Law Disability Insurance lawyer in Toronto, Mississauga or Hamilton, Ontario today at 905-629-8040. When you call, you will receive a FREE, confidential consultation about your situation. Our lawyers understand that there is physical and emotional stress dealing with a long-term or short-term disability. Our focus is always to help disabled people and their families ease the financial burden caused by a sudden lack of income.
Common LTD Benefits Issues
Initial Claim Denials
An insurer may deny an LTD claim at the outset if it says the medical evidence is insufficient or the policy definition is not met. Early review of the denial reasons is important.
Termination of Ongoing Benefits
Benefits that were once approved can later be cut off after surveillance, file review, or a change in how the insurer interprets the medical evidence. These disputes require close analysis.
Insufficient Medical Evidence Allegations
Insurers often argue that records do not fully support the extent of impairment. A careful review of physician notes, specialist reports, and functional limitations can be critical.
Change in Disability Definition
Many policies shift from an own occupation test to an any occupation test after a set period. This change is a common source of LTD disputes and terminations.
Surveillance and Credibility Issues
An insurer may rely on surveillance, social media content, or selective information to question a claimant's limitations. Legal guidance can help place that evidence in context.
Appeal and Litigation Decisions
Some cases call for an internal appeal, while others may require a stronger litigation strategy. The best path depends on the policy, the evidence, and the insurer's position.
Conditions Often Involved in LTD Claims
Chronic Pain Conditions
Chronic pain can affect concentration, mobility, endurance, and the ability to perform consistent work duties. These claims often require detailed medical support.
Mental Health Conditions
Depression, anxiety, and related mental health conditions can be disabling and may support an LTD claim when symptoms prevent regular work capacity.
Neurological Conditions
Neurological illnesses may affect cognition, balance, stamina, and physical function. The impact on employability can be significant depending on the diagnosis and symptoms.
Orthopaedic Impairments
Many policies shift from an own occupation test to an any occupation test after a set period. This change is a common source of LTD disputes and terminations.
Autoimmune and Chronic Illnesses
Autoimmune disorders and other chronic illnesses can produce fatigue, pain, flare-ups, and unpredictable limitations that interfere with reliable employment.
Post-Surgical Limitations
Recovery after surgery does not always restore a person to their prior work capacity. Functional limitations may continue and require careful documentation.
Let’s Get Started on Your Case
Step 1
Contact Cariati Law
Call 905-629-8040 or submit our online form to request your free consultation. Our team is available 24/7 to speak with you and begin assessing your situation.
Step 2
Tell Us About Your Case
During your consultation, we will review the details of your accident or legal matter, answer your questions, and explain your rights under Ontario law.
Step 3
We Pursue Your Claim
If your case qualifies, we will begin building your claim immediately. We handle communication with insurance companies and pursue compensation on your behalf, with no fees unless we win.
What should I do if my long term disability claim has been denied?
What does my long term disability insurance include?
- ✔ Your daily benefit amount
- ✔ Deductible or waiting period
- ✔ Guaranteed renewable
- ✔ Maximum policy benefit
- ✔ Pre-existing condition limitations
- ✔ Policy exclusions
- ✔ And more
Frequently Asked Questions
Can I challenge a denial of LTD benefits in Ontario?
Yes, depending on the policy and the facts, there may be options to challenge a denial or termination of benefits. Prompt legal advice can help you decide on the best next step.
Why would an insurer deny long term disability benefits?
Common reasons include alleged insufficient medical support, surveillance concerns, missed deadlines, or disagreement over whether the policy definition of disability is met.
Should I appeal an LTD denial or start a lawsuit?
The right approach depends on the policy language, the denial reasons, the available evidence, and the time limits that apply. Each case should be reviewed individually.
What documents should I keep for my LTD case?
Keep your policy, denial letters, medical reports, claim forms, insurer emails, and any records that show how your condition affects your ability to work.
Does Cariati Law offer free consultations for LTD disputes?
Yes. Cariati Law offers free consultations for clients across Ontario dealing with denied or terminated long term disability benefits.
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Talk to a Long Term Disability Lawyer Today
Call us today at 905-629-8040 or toll-free at 1-888-629-8040, or complete the consultation form on this page to receive a free, confidential case review. Cariati Law works on a no-fee-unless-you-win basis, meaning there are no upfront legal fees and you only pay if your case is successful.
