If an illness or injury prevents you from working, long-term disability (LTD) insurance is intended to replace part of your income and provide financial support.

However, some people find that after months or even years of receiving benefits, their insurance company delays, terminates or denies further payments.

If this happens, we help you understand your rights and challenge denied or terminated disability benefits so you can focus on your health and recovery.

How Your Disability Benefits Work

Every LTD policy is different, but many plans require you to:

• Complete a waiting (elimination) period
• Submit a detailed application
• Provide ongoing medical documentation
• Participate in recommended treatment or rehabilitation
• Meet the policy’s definition of disability

Many policies initially consider whether you can perform your own occupation, and later apply an any occupation definition. Benefits are often reviewed or terminated during this transition.

Depending on the policy, LTD benefits may replace approximately 50%–85% of your income.

Why Insurers Deny or Stop Benefits

Long-term disability policies can contain detailed requirements and complex language. Claims may be denied or terminated because of:

• Insufficient medical evidence
• Surveillance or file reviews
• “Any occupation” assessments
• Missed paperwork or deadlines
• Disputes about treatment or rehabilitation

Insurance decisions can be difficult to understand. Getting legal advice early can help you avoid mistakes that may affect your claim.

Your Legal Options

If your LTD claim has been denied or your benefits have been terminated, you may have legal options to challenge the insurer’s decision.

Depending on your circumstances, a claim may seek:

• Past unpaid disability benefits
• Future disability payments
• Interest and additional damages where applicable

Our goal is to help you pursue the disability benefits and financial support available under your policy.

Free Consultation

If your long-term disability benefits have been denied or terminated, getting legal advice early can help protect your rights.

Contact The Personal Injury Lawyer for a free consultation. We serve clients throughout York Region, Toronto and the GTA, including Markham, Richmond Hill, Vaughan, Aurora and Newmarket, as well as Durham Region, Peel Region and Simcoe County.