Do I pay legal fees if there is no recovery?

No fee unless we recover compensation for you. The full terms of the arrangement are set out in the written agreement before the firm begins work.

What percentage does the firm charge?

Our fee is up to 33% of the amount recovered. The exact percentage is confirmed in writing before the firm begins work, after the matter is reviewed and accepted.

Are disbursements included in the legal fee?

Disbursements are expenses paid to third parties, such as the cost of medical records, expert reports or filing fees. They are separate from our legal fee and are deducted from the settlement or award rather than being paid out of pocket during the case.

Do I pay disbursements during the case?

Disbursements are deducted from the settlement or award rather than being paid out of pocket during the case. The written agreement will describe how disbursements are handled for the specific matter.

Does submitting the form make me a client?

No. Submitting a form or participating in an initial consultation does not by itself create a solicitor-client relationship. The firm must first accept the matter, and a written agreement must be signed.

When will I receive the written fee agreement?

If the matter is accepted, you will receive a written agreement that you can review before deciding whether to retain the firm. The exact percentage and other terms are confirmed in writing before the firm begins work.

Ontario LTD · Fees

How Legal Fees Work for Long-Term Disability Claims

Last updated July 2026

For accepted long-term disability matters, the firm acts under a written contingency-fee agreement. 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.

The initial intake call and a later free consultation are free. The firm first reviews whether it can assist. Submitting an inquiry does not mean the matter has been accepted.

No fee agreement exists until the matter is accepted, required intake and conflict checks are completed, and a written agreement is signed. The exact percentage within the approved ceiling and all applicable terms are confirmed before representation begins.

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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.

What does “no fee unless we recover” mean?

A contingency fee means the legal fee is tied to a successful financial recovery. Our fee is up to 33% of the amount recovered. The exact percentage and other terms are set out in a written agreement before the firm begins acting. The precise arrangement depends on the matter and must be accepted by both the client and the firm.

Legal fees are tied to a financial recovery. The percentage is calculated against the amount defined in the written agreement. You can review the agreement and ask questions before signing. The firm does not begin acting merely because someone submits a form or attends an initial call.

Is the initial intake call and consultation free?

There is no charge to submit the form or participate in the initial intake call. Our intake team will call you within one business day. That free call is generally used to confirm basic information and arrange a later free consultation.

A separate free consultation may then gather more information about the claim. Preliminary information may be reviewed by a lawyer on the team. The firm may ask for documents such as a denial or termination letter, the policy or benefits booklet, occupational or employment information, appeal correspondence, and other insurer correspondence. Medical records are generally requested later, where needed.

The purpose of the free intake call and consultation is to help the firm decide whether it may be able to offer representation. Neither step is a full written legal opinion, a guarantee of representation, or a promise that the claim will succeed.

Submitting a form or participating in an initial consultation does not itself create a solicitor-client relationship. Representation begins only after the firm accepts the matter and the applicable written agreement is signed.

Request a free case review →Contact us →How we review claims →

When will I know the exact percentage?

Our fee is up to 33% of the amount recovered. The exact percentage and other terms are confirmed in writing before the firm begins work. If the matter is accepted, you will receive a written agreement that you can review before deciding whether to retain the firm.

Representation starts only after the preliminary review, conflict and intake requirements, acceptance of the matter, and execution of the written agreement. Submitting documents does not obligate you to retain the firm, and the firm is not required to accept every matter submitted.

What may count as an amount recovered?

A recovery may potentially include past-due benefits, settlement payments, damages or other compensation obtained through a claim or proceeding, and other amounts specifically addressed in the written agreement.

What counts as the amount recovered will be explained in the written fee agreement. It should not be assumed that every type of payment is treated the same way, or that every case includes all of the categories listed above.

What about expenses and disbursements?

Some legal matters involve expenses paid to third parties, sometimes called disbursements. These may include costs for medical records, expert reports, filing fees or other services needed for the case. Disbursements are separate from our legal fee and are deducted from your settlement or award, rather than being paid out of pocket during your case.

The written agreement will describe how disbursements are handled for the specific matter.

Are all matters handled on contingency?

Not every inquiry or legal service is necessarily accepted under the same fee arrangement. The firm reviews the claim, policy, available evidence, timing and anticipated scope of work before deciding whether it can offer representation and on what terms.

Matters that may be reviewed for contingency representation include denied LTD claims, terminated LTD benefits, change-of-definition disputes, internal insurer appeals, LTD lawsuits, and individual disability-insurance claims. Acceptance is not automatic in any of those categories.

Questions to ask before retaining a lawyer

These are matters you should understand from the written agreement before deciding whether to retain the firm. The answers for any particular matter are in that agreement — not on this page.

What percentage applies to my matter?
What amount is the percentage calculated against?
How are disbursements handled?
Is HST additional?
What happens if there is no recovery?
Which services are included in the agreement?
How can the agreement be ended?
When does the solicitor-client relationship begin?
How are settlement amounts, costs or interest treated?

Frequently asked questions

Is the LTD case review free?: Yes. The initial intake call is free, and a later free consultation may be scheduled to gather more information. Our intake team will call you within one business day. Neither step creates a solicitor-client relationship or guarantees that the firm will accept the matter.
Do I pay legal fees if there is no recovery?: No fee unless we recover compensation for you. The full terms of the arrangement are set out in the written agreement before the firm begins work.
What percentage does the firm charge?: Our fee is up to 33% of the amount recovered. The exact percentage is confirmed in writing before the firm begins work, after the matter is reviewed and accepted.
Are disbursements included in the legal fee?: Disbursements are expenses paid to third parties, such as the cost of medical records, expert reports or filing fees. They are separate from our legal fee and are deducted from the settlement or award rather than being paid out of pocket during the case.
Do I pay disbursements during the case?: Disbursements are deducted from the settlement or award rather than being paid out of pocket during the case. The written agreement will describe how disbursements are handled for the specific matter.
Does submitting the form make me a client?: No. Submitting a form or participating in an initial consultation does not by itself create a solicitor-client relationship. The firm must first accept the matter, and a written agreement must be signed.
Are all LTD matters accepted on contingency?: Not every inquiry or legal service is necessarily accepted under the same fee arrangement. The firm reviews the claim, policy, available evidence, timing and anticipated scope of work before deciding whether it can offer representation and on what terms.
When will I receive the written fee agreement?: If the matter is accepted, you will receive a written agreement that you can review before deciding whether to retain the firm. The exact percentage and other terms are confirmed in writing before the firm begins work.