Long-Term Disability Lawyers for Denied and Terminated Claims in Ontario
Led by Matthew Gordon, our team of Ontario long-term disability lawyers helps claimants challenge denied or terminated disability-insurance benefits, prepare for change-of-definition reviews, and respond to insurer demands to return to work.
Choose the situation that fits best
A denial letter isn't the final word — insurers routinely deny valid claims, and next steps depend on the specific reason given.
A denial letter isn't the final word — insurers routinely deny valid claims, and next steps depend on the specific reason given.
Over a decade of experience practising law in Ontario. A graduate of Osgoode Hall Law School. No fee unless we recover compensation for you. Our fee is up to 33% of the amount recovered, confirmed in writing before we begin work. Virtual consultations across Ontario.
Immediate steps after a denial or termination
A calm starting point while you gather what matters.
- Keep the denial or termination letter and the envelope or email headers.
- Save medical reports, functional assessments, and correspondence with the insurer.
- Do not assume an internal appeal is your only option — deadlines are fact-specific.
- Request a free case review so the firm can help identify the dates and documents that need attention.
Types of disputes we handle
- Denied LTD claimA denial letter is not the final word. Next steps depend on the reason given.
- Terminated benefitsBenefits may stop after a review, surveillance, return-to-work assessment, or definition change.
- Change of definitionMany Ontario LTD policies shift disability definitions around the 24-month mark — timing depends on the policy.
- LTD appealWhat the internal appeal process involves — submissions, stages, deadlines, and outcomes.
- LTD lawsuitWhat litigation against an LTD insurer actually involves — steps, evidence, costs, and timelines.
- Individual disability policiesPersonally purchased disability policies often turn on precise wording and actual occupational duties.
- Fired while on LTDTermination or severance while on LTD can affect employment rights and ongoing benefits.
- Return-to-work disputesIME, surveillance, and vocational assessments used to argue you can work can often be challenged.
- STD claim deniedDenied or terminated short-term disability benefits, evidence issues, and the LTD transition.
Why choose this firm
Matthew Gordon leads our team after spending the early part of his career representing Canada’s largest insurance companies in life, disability, property and other insurance cases — before moving to plaintiff-side work. That means our team knows how insurers build a denial file and where those decisions are most vulnerable to challenge.
How the case review works
Free case review. Submit your situation through the form below, and our intake team will call you within one business day. Virtual consultations available across Ontario.
Submit your information
Use the free case-review form or call the firm to describe what happened with your claim.
Intake calls within one business day
Our intake team will call you within one business day.
A free consultation may be scheduled
The initial free call is generally used to arrange a later free consultation to gather more information.
A lawyer reviews whether the firm can assist
A lawyer reviews every potential matter before the firm decides whether it can offer representation.
Medical conditions & pathways
Ontario LTD questions
- What happens after I request a free case review?
- Our intake team will call you within one business day.
- Do you charge a fee if my claim is unsuccessful?
- No fee unless we recover compensation for you. Our fee is up to 33% of the amount recovered, confirmed in writing before we begin work.
- Can you help if I am outside Toronto?
- Yes. Virtual consultations are available across Ontario.
- Who will review my claim?
- A lawyer reviews every potential matter before the firm decides whether it can offer representation. Assignment may vary depending on availability.
Request a Free Case Review
Free case review. Submit your situation through the form below, and our intake team will call you within one business day. Virtual consultations available across Ontario.
No fee unless we recover compensation for you. Our fee is up to 33% of the amount recovered, confirmed in writing before we begin work.
Prefer to talk now? (437) 295-7287
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