Secure Your Long Term Disability Benefits in Ontario
If your provider wrongfully denies or abruptly cuts off your financial safety net, we will fiercely protect your rights.
Confidential consultations · No upfront fees
At Nanua & Ioffe Lawyers, we understand that facing a severe medical condition is stressful enough without fighting an insurance company. When your financial stability is on the line, an experienced Toronto long term disability lawyer is critical to navigating complex policies, gathering ironclad medical evidence, and successfully appealing denials. We step in to handle the legal burden so you can focus entirely on recovery.
Types of Long Term Disability Claims We Handle
Long-term disability claims can become complicated when an insurer denies, delays, or terminates benefits. We help clients navigate disputes with insurers and pursue the benefits they may be entitled to.
Denied LTD Claims
Terminated LTD Benefits
Mental Health Disability Claims
Physical Disability Claims
Chronic Pain Claims
Group & Individual Disability Claims
Benefits of Working With NI Lawyers
If your insurance company cuts off your lifeline, you need dedicated lawyers for long term disability who deliver exceptional results.
- Your Recovery Comes First.
- Deep Experience in Long-Term Disability Claims.
- Strong Advocacy Against Insurance Companies.
- Personalized Strategy for Your Unique Circumstances.
- Clear Guidance When You Need It Most.
Our dedicated Toronto long-term disability lawyers will relentlessly fight to secure the maximum compensation you deserve.
Learn about our approach
How We Build Your Case
Free Case Review
Tell us what happened. We’ll assess your situation and explain your legal options.
Investigation
We investigate the accident, document the scene, and identify the evidence that may support your claim.
Build Your Case
We gather records, witness statements, medical documentation, photos, video, and other relevant evidence.
Settlement & Negotiation
We present your claim and negotiate with the insurance company to pursue a fair settlement.
Trial-Ready Representation
If a fair settlement cannot be reached, we’re prepared to take your case to trial and advocate for you in court.
From the start, we focus on the evidence, your recovery, and the strongest path forward.
Long Term Disability FAQs
To help you understand your legal rights, our experienced team has answered the most common questions regarding long-term disability benefits below.
Still have questions?
Schedule a free consultationIt is a specific type of income-replacement insurance coverage designed to provide financial support if an unexpected illness or severe injury prevents you from working for an extended period.
To qualify, you must demonstrate through objective medical evidence that your condition creates an inability to perform the essential duties of your regular job or any suitable occupation.
The duration depends on your specific policy terms, typically providing financial support for a set number of years, or continuing until you reach age 65.
Generally, you cannot work full-time, but some specific policies permit limited, structured rehabilitative employment if it is closely monitored and pre-approved by your medical team and insurer.
Accepting an unreviewed severance package can accidentally terminate your active benefits or reduce your insurance payouts, making it vital to consult a lawyer for long term disability before signing.
You should immediately request a copy of your complete denial letter and contact an experienced lawyer to begin building a comprehensive, evidence-backed legal appeal before strict deadlines pass.
No, our dedicated firm operates on a contingency fee basis, meaning you pay zero legal fees unless we successfully win or settle your case.
Most long term disability policies contain specific clauses requiring you to apply for Canada Pension Plan Disability benefits to offset the monthly payout amount from the private insurer.
Insurance providers routinely hire private investigators to record your public movements, making it absolutely critical that you strictly follow your doctor’s daily medical restrictions and advice.
Under the Ontario Limitations Act, you generally have a strict window of two years from the exact date of your initial denial letter to file a formal lawsuit.