Long term disability lawyer Toronto

Long Term Disability Claims In Toronto

Has your long term disability claim been denied or delayed? We can help.

When a serious illness or injury prevents you from working, the financial and emotional impact can be overwhelming. A long term disability lawyer in Toronto helps protect your rights and secure the benefits you need to support yourself and your family. Long term disability (LTD) insurance is designed to replace part of your income and cover essential expenses such as medical treatment, rehabilitation, and ongoing care—giving you the stability to focus on recovery.

Disability can take many forms. Physical conditions such as paralysis, chronic pain, or mobility loss may qualify for LTD benefits, as can psychological conditions like PTSD, anxiety, or depression. If your health prevents you from earning a living, you may be entitled to file a long term disability claim with your insurer. Unfortunately, insurers often deny or delay valid claims, which is where experienced legal representation becomes essential.

At Neinstein Personal Injury Lawyers, our team of Toronto long term disability lawyers has been standing up for injured Ontarians for decades. We guide clients through every stage of the claims process, from filing and appeals to negotiating with insurers, and connect them with trusted medical and rehabilitation resources. Our goal is simple: to take on the legal burden so you can concentrate on your health and rebuilding your life.

What Types Of Injuries Qualify Me For Long Term Disability Benefits?

There is no catch-all list of injuries that will qualify you for disability benefits - your coverage will depend on your insurance policy. However, injuries or illnesses that prevent you from performing your job for an extended period of time will generally qualify. The period of time over which you are covered will depend on the severity of your injuries and how long you are affected by them.

Injuries that cause severe physical disabilities like paraplegia, quadriplegia, and other forms of paralysis are often cited in long term disability claims. These can be caused by car accidents, boating accidents, motorcycle or bicycle accidents, or even simple slip-and-fall events.

Other chronic disabilities and illnesses, such as PTSD and chronic pain, may also disrupt your ability to work for a long period of time, and as such are perfectly valid reasons for filing a claim for disability benefits. When an individual is injured through no fault of their own, they should not be punished for their inability to work regularly. The process of recovering from significant physical or mental injuries is often excruciating - adding undue financial stress to that mix is unnecessary. That's why a long term disability lawyer from Neinstein LLP will fight hard on behalf of you and your recovery.

What Should I Do After A Personal Injury?

If you have suffered a serious personal injury, you should seek legal counsel as quickly as possible. Insurance disputes and long term disability claims can be lengthy, complicated, and costly, so retaining an experienced and understanding long term disability lawyer is of the utmost importance.

When seeking out a long term disability lawyer in Ontario, look for someone with a wealth of experience serving injured or disabled Ontarians such as those who have or still are suffering from a catastrophic injury. Insurance companies have deep pockets and a bottomless supply of legal tactics, but with the right professional guidance, there is no reason why you cannot emerge from your case with fair compensation.

Denied Benefits: How Can A Personal Injury Lawyer Help?

Insurance companies cite a wide variety of reasons for denying or terminating long term disability benefits. In some cases, these issues can be remedied by reviewing and ensuring that your application is complete, accurate, and in order.

In other cases, you may require the services of a long term disability lawyer. For instance, insurance companies may dispute your injury claims on the basis that your doctor had not been approved by the company. In another scenario, your insurer may claim that you exceeded the application time limit, that you possessed a pre-existing condition, or that you misrepresented the scope of your injury.

In each of these situations, you should contact an experienced lawyer and seek legal advice right away. Personal injury law firms are aware of insurance companies' preferred tactics, and have strategies for countering them. If you have been unjustly denied disability benefits, an experienced and attentive personal injury lawyer will be able to successfully secure compensation on your behalf.

The Legal Process Of A Long Term Disability Claim

A long term disability lawyer will pursue different legal tactics depending on the unique circumstances of each case. These may include mediation, arbitration, and, of course, arguing their client's case before the court.

Mediation is perhaps the most informal of these scenarios. It generally involves a negotiation between two parties, mediated by a neutral third party observer with expertise in the area of long term disability benefits and disputes. This form of resolution takes place outside of court. In most circumstances, mediation is the most cost-effective approach to resolving legal disputes. If both sides are amenable to compromise, it can also substantially reduce the time it takes to find a solution.

Arbitration is a more formal approach to mediation, and is also regulated by a third-party mediator. The primary difference between arbitration and mediation is that the opinion provided by the third party is, in some cases, legally binding.

If these approaches do not succeed, your case will likely be decided in court. Neinstein's team of long term disability lawyers has a wealth of experience defending clients in court. Over our decades in business, we have developed a reputation as tough, well-prepared advocates for our clients' rights. We take pride in ensuring injured Ontarians' are represented, and fight hard to access compensation for our clients.

That is why we use the contingency fee arrangement. Under this arrangement, the client is not required to pay any fees or expenses unless the case is successful. If the client does not recover any monies from the lawsuit, there will be no legal fees.