TEST Personal Injury Lawyer Toronto

Keep your denial letter and contact us before deciding how to respond. We’ll explain the insurer’s reasons, check the deadlines and discuss how to challenge the decision. You don’t need every medical record to get started. Read about denied LTD claims.

Speak with a lawyer first. An internal appeal means asking the same insurer to reconsider its decision. We’ll explain whether more evidence, an appeal or a lawsuit makes sense for your claim. Don’t assume an appeal pauses your deadline to sue. Understand your appeal options.

Ontario’s basic limitation period is two years from discovery of a claim. When the clock starts and whether an exception applies depend on your situation. Your insurer’s appeal deadline is separate. Contact us promptly so we can check the dates that apply to you.

A health condition you had before coverage began doesn’t automatically rule out benefits. We check your policy’s exclusion, the relevant dates and whether the insurer has applied those rules correctly. Read about pre-existing-condition denials.

There’s no set amount. We look at your monthly benefit, missed payments, how long your coverage can continue, deductions allowed by your policy and the evidence showing why you can’t work. We’ll negotiate and explain what any offer means, including future benefits you’d give up.

It depends on the evidence we need, how the insurer responds and whether we settle the claim or need to take legal action. Once we’ve reviewed your situation, we’ll explain the next steps and how long they may take.

Not necessarily. Starting a lawsuit doesn’t automatically mean going to trial. We work to settle your claim through negotiation or mediation and prepare for court if needed. We’ll explain what you’d need to do and support you through the process.

You can qualify for both, but each has its own eligibility rules. Your LTD policy may let the insurer deduct CPP Disability payments or ask you to repay some LTD benefits after you receive backdated CPP Disability. We check the policy and the insurer’s calculations. Learn how CPP Disability and LTD interact.

Talk to us before signing a severance agreement or release. We’ll explain how it could affect your benefits and employment rights. We also help when you’re being pressured to return to work or aren’t getting the accommodation you need. Learn about severance while on LTD.

We may still be able to help with your disability insurance claim. We’ll check your insurance plan and collective agreement to see how we can help. Tell us you’re unionized when you contact us.

We also help with short-term disability insurance denials and CPP Disability claims. Tell us which benefits you’re having trouble with. We don’t handle ODSP or WSIB claims.