Long-Term Disability Lawyers in Ontario
A long-term disability denial or termination can be devastating — especially when income has already stopped and treatment continues. The good news: most denials can be challenged, and many are reversed once the claim is properly assembled.
Shah & Shah Lawyers represents Ontario claimants in disputes with group LTD insurers, individual disability insurers, and the CPP-disability program. We also pursue civil claims where insurer conduct was unreasonable.
What to do after this kind of accident
The denial letter, your policy, the insurer’s file, every medical report — all of it matters.
Insurers often argue you must have recovered if you stopped seeing your doctor. Continue treatment as recommended.
There are strict deadlines to start a lawsuit after a denial — often two years, sometimes shorter under specific policies. Call us early.
Insurer adjusters use recorded calls. Talk to a lawyer first.
How we help
- ·Review your policy and the insurer’s claim file
- ·Coordinate medical evidence — family physician, specialists, functional assessments
- ·Negotiate reinstatement or lump-sum settlement
- ·Litigate when the insurer refuses to act reasonably
- ·Pursue parallel CPP-disability claims where appropriate
Eligible personal injury cases are handled on a contingency-fee basis.
Call 416-262-SHAH (7424)Frequently asked
Most policies switch from "own occupation" to "any occupation" at the two-year mark. The change does not automatically end the claim — the test is still whether you can reasonably perform any occupation for which you are qualified. We can review whether the insurer applied the test properly.
Yes. The two run on separate tracks, and LTD policies typically offset CPP-disability benefits. We can coordinate both.