Free Consultation with a Toronto Long-Term Disability Lawyer
At Unified LLP, our Toronto long-term disability lawyers are dedicated to helping clients who have been unfairly denied their disability benefits. We provide a free, confidential consultation to assess your short-term or long-term disability claim, and we typically work on a contingency fee basis — meaning you only pay if we win. With insurers denying more than half of legitimate disability claims each year, having an experienced disability lawyer on your side ensures you receive the benefits you are legally entitled to.
Eligibility Criteria for Long-Term Disability Benefits
Understanding whether you qualify for long-term disability benefits is the first step toward securing support. While criteria vary by policy, common requirements include:
- Employment Coverage: Covered under a group or individual insurance plan with LTD benefits.
- Medical Condition: A disabling condition supported by medical documentation prevents you from performing your job.
- Waiting Period: An “elimination period” (often several weeks) must pass before benefits begin.
- Continuous Care: You must seek and follow appropriate medical treatment.
If your claim has been denied or disputed, our Toronto LTD lawyers can review your policy, assess your situation, and fight to secure the benefits you deserve.
The Legal Process for Long-Term Disability Claims
When an LTD claim is denied or terminated, Unified LLP guides you through each stage:
- Consultation & Policy Review – We examine your policy, denial letter, and medical records.
- Appealing the Denial – Internal appeals may help, but we’ll advise if direct legal action is recommended versus an internal appeal.
- Filing a Lawsuit – If necessary, we file a claim in court and pursue your entitlements.
- Negotiation & Resolution – Many LTD cases settle through negotiation or mediation.
- Trial (if required) – If settlement fails, we are ready to litigate in court.
Our lawyers combine legal expertise with compassion to make the process as smooth as possible for you and your family.
Our Toronto Disability Lawyers Can Help With:
- Applications for short-term disability benefits
- Reviewing short-term disability applications
- Appealing short-term disability denials
- Applications for long-term disability benefits
- Reviewing long-term disability applications
- Appealing long-term disability denials
- Commencing legal action to recover owed benefits
Short Term Disability Lawyer Toronto
Short-term disability (STD) benefits provide temporary income replacement when illness or injury prevents you from working. They usually last 12–24 weeks, after which claims may transition into LTD benefits.
- To qualify, you must meet the policy’s definition of “totally disabled.”
- STD claims are frequently denied, but a Toronto short term disability lawyer can challenge these decisions.
- Common qualifying reasons include surgery recovery, accidents, depression, anxiety, or flare-ups of pre-existing conditions.
Call 416.787.7678 for free assistance in determining your STD eligibility.
Common Reasons Employees Receive Short-Term Disability Benefits
- Addiction
- Surgery or recovery from surgery
- Injury or accident (temporary or permanent)
- Mental health conditions such as depression or anxiety
- Onset or flare-up of illness or disease
- Death in the family
This list is not exhaustive. If in doubt, contact our Toronto disability lawyers at 416.787.7678 for a free and confidential consultation.
Long Term Disability Lawyer Toronto
Long-term disability (LTD) benefits provide income replacement when illness or injury prevents you from working long term. They usually begin after STD or EI Sickness Benefits (15 weeks).
- LTD typically replaces 60–80% of income.
- Benefits may last until age 65, some up to age 70.
- “Totally disabled” is defined differently in each policy and does not mean literal total incapacity.
Our Toronto LTD lawyers advocate tirelessly for maximum benefits, whether through negotiation or litigation.Call 416.787.7678 for a free consultation on your LTD eligibility.
Common Reasons Employees Receive Long-Term Disability Benefits
Long-term disability (LTD) benefits provide income replacement when illness or injury prevents you from working long term. They usually begin after STD or EI Sickness Benefits (15 weeks).
- LTD typically replaces 60–80% of income.
- Benefits may last until age 65, some up to age 70.
- “Totally disabled” is defined differently in each policy and does not mean literal total incapacity.
Our Toronto LTD lawyers advocate tirelessly for maximum benefits, whether through negotiation or litigation.Call 416.787.7678 for a free consultation on your LTD eligibility.
Disability Insurance Lawyer Toronto
Insurance companies deny over half of legitimate disability claims in Ontario. At Unified LLP, you’ll work with a Toronto disability insurance lawyer who fights aggressively for your entitlements — whether in short-term or long-term cases.
Lawyers Specializing in Disability
Living with illness or injury is stressful enough. Our Toronto disability lawyers are compassionate, experienced, and focused solely on protecting your rights.
We:
- Work on a contingency fee basis (only pay if you win).
- Offer free consultations to review your claim.
- Take matters to court if insurers refuse fair settlement.
Disability Benefits Lawyer
Unified LLP’s Toronto disability benefits lawyers are relentless advocates for clients denied benefits. We pursue every legal avenue, from negotiation to litigation, until you receive the compensation you’re entitled to.
Experienced Injury Lawyers You Can Trust
With years of combined experience in both personal injury and disability law, our team has helped countless Ontarians secure the benefits they deserve after accidents, illnesses, and other challenges.
Long Term Disability FAQs
What is a long-term disability lawyer, and how can they assist in Toronto?
A long-term disability lawyer in Toronto helps individuals secure disability benefits after a denial or dispute with an insurer. At Unified LLP, we guide you through complex insurance policies, build strong medical evidence, and fight to ensure you receive the benefits you are legally entitled to.
How do I choose a trustworthy lawyer for long-term disability claims in Toronto?
Look for a lawyer with experience, a strong track record, and positive client reviews. The best way to evaluate fit is through a free long-term disability consultation in Toronto, where you can ask about their process, fees, and success with similar cases.
What types of long-term disability cases are commonly handled in Toronto?
Most LTD lawyers in Toronto handle denied claims, insurance disputes, policy interpretation issues, and benefit appeals. At Unified LLP, our team also assists with initial applications to help prevent denial before it happens.
What key factors should I consider when selecting a disability lawyer near me?
Choose a lawyer with specific LTD experience, a history of success against insurers, and a fair fee structure. At Unified LLP, our Toronto disability lawyers work on a contingency basis — you only pay if we win your case.
What actions can I take if my long-term disability claim is denied?
If your LTD claim is denied, consult a Toronto long-term disability lawyer immediately. We will review your policy, gather medical evidence, and file an appeal or lawsuit to enforce your rights.
Is hiring a disability lawyer in Toronto affordable for me?
Yes. At Unified LLP, we handle most LTD cases on a no-win, no-fee basis. This ensures you can access legal representation without upfront financial risk.
How long does it typically take to resolve a long-term disability lawsuit?
Some LTD disputes resolve in a few months, while others can take years depending on complexity. A Unified LLP Toronto LTD lawyer will give you an honest timeline estimate and keep your case moving efficiently.
Can I switch to a different disability lawyer if I’m unhappy with the current one?
Yes. If you change firms, your new and former lawyers will coordinate the transfer of your file. Choosing an experienced long-term disability lawyer in Toronto ensures a smooth transition without disrupting your case.
Should I consult a disability lawyer before filing for long-term disability benefits?
Yes. Early legal advice can prevent costly mistakes and strengthen your initial claim. A Toronto LTD lawyer can review your policy, medical records, and application before submission.
What unique expertise does a Toronto-based disability lawyer bring to my case?
A Toronto LTD lawyer understands the Ontario Disability Support Program Act, long-term disability insurance law, Canada Pension Plan Disability (CPP Disability) and federal benefits regulations. At Unified LLP, we use this knowledge to maximize your compensation.
What should I bring to my initial consultation?
Bring your disability insurance policy, denial letters, medical documentation, and any insurer correspondence. A long-term disability lawyer in Toronto will review these documents to assess your case and outline next steps.
