Long Term Disability Ontario Lawyer
If you’ve developed an illness or injury that prevents you from working, long-term disability (LTD) insurance may provide crucial financial support. LTD benefits are designed to replace a portion of your income when you can’t return to work due to a medical condition.
At Juzkiw Law, our experienced long term disability lawyers in Ontario can guide you through the process of applying for benefits or appealing a denied claim. We understand how stressful it can be to face financial hardship while dealing with health challenges—and we’re here to help you get the support you deserve.
Who Qualifies for Long-Term Disability in Ontario?
To qualify for long term disability benefits in Ontario, you typically need to have been continuously unable to work for at least 17 weeks (the short-term disability period). Most LTD insurance policies require:
- That you’ve already gone through your short-term disability coverage, often funded by your employer.
- Proof that your illness or injury prevents you from performing the essential duties of your occupation.
For the first 24 months, LTD benefits are based on your ability to perform your own occupation. After 24 months, the definition changes—you must prove that you cannot perform any occupation for which you are reasonably qualified by education, experience, or training.
This shift in definition often leads to claim denials—and that’s where an experienced LTD lawyer can make all the difference.
Common Reasons for LTD Claim Denials
Unfortunately, long term disability claims are denied frequently, even for legitimate cases. Common reasons include:
- Missing or incomplete medical evidence
- Misrepresentation or minor application errors
- Missed appeal or filing deadlines
- Policy exclusions or technicalities
- Failure to comply with ongoing treatment requirements
- Insurance company disputes over the definition of “total disability”
Sometimes, claims are denied simply because the insurer decides to challenge your credibility or medical documentation. These denials can feel unfair and overwhelming—but you don’t have to face them alone.
What to Do if Your LTD Claim Is Denied
If your claim is denied, don’t give up. You have the right to appeal the insurance company’s decision. A skilled long term disability lawyer can review your policy, gather medical evidence, and represent your interests throughout the appeal process.
At Juzkiw Law, we:
- Review denial letters and insurance policy wording carefully
- Gather detailed medical documentation from doctors and specialists
- Communicate with insurance companies on your behalf
- File appeals or legal claims to overturn denials
Our goal is simple: to get your benefits approved and restore your financial stability.
Why Hire an LTD Lawyer?
Fighting a denied claim on your own can be exhausting, especially when you’re already dealing with medical issues. Our LTD lawyers handle the legal complexities so you can focus on your recovery.
We have experience dealing with major insurance providers in Ontario and understand the tactics they use to deny claims. With Juzkiw Law, you’ll have a team that’s compassionate, determined, and knowledgeable about long term disability law.
We don’t get paid unless you do—our contingency fee model means no upfront costs.
FAQs About Long-Term Disability (LTD)
LTD benefits can continue until age 65 or until you’re no longer considered disabled under the policy’s terms, whichever comes first.
Common qualifying conditions include chronic pain, mental health disorders, cancer, heart disease, autoimmune conditions, and neurological disorders.
Yes, many insurers reassess claims at the 24-month mark when the definition of “disability” changes from “own occupation” to “any occupation.” An LTD lawyer can help if your benefits are unfairly terminated.
Yes. Insurance companies have strict rules and deadlines. Having an experienced long term disability lawyer in Ontario ensures your appeal is properly handled and increases your chances of success.
At Juzkiw Law, we work on a no-win, no-fee basis. You pay nothing upfront—our fees are only collected if we successfully recover your benefits.
It depends on your policy. Some LTD plans allow partial benefits if you can work reduced hours due to your medical condition.
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