What to do if my LTD claim is denied?
Don't accept the denial as final — get the insurer's written reasons, keep your medical treatment going, and call us for a free consultation, because most denials can be challenged.
4.9/5 | Your Life, RebuiltDisability & Employment Lawyers in CanadaDisability & Employment Lawyers in Canada
Disability claim denied?
Long Term Disability Lawyer in Toronto Protecting Your Rights
Work with a Toronto long term disability lawyer to fight denied LTD claims. More than 9,000 claimants in Toronto and across Canada have recovered their benefits with us. We offeer a free consultation and no fees unless you win.
Experienced Lawyers for Long Term Disability Insurance Claims
Finding the best legal representation is crucial and the search to find the right fit for you can be daunting. Your voice matters and we are committed to your best interests. Our empathy and unwavering support is precisely what distinguishes Share Lawyers. With over three four decades of steadfast commitment to prioritizing our clients, we have assisted more than 9,000 individuals across Canada in securing the disability benefits they rightfully deserve.
We represent clients in Toronto for all types of claims, including:
If you are looking for a long term disability lawyer in Toronto with the expertise to confront insurance companies on your behalf and the compassion to support you during challenging times, please don't hesitate to visit our office at 3438 Yonge St, Toronto, ON M4N 2M9, Canada or contact us online today.
Toronto Long-Term Disability Lawyers Serving Ontario
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Client testimonials
Out of 5 review rating
265 Google reviews
265 Google reviews
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reviews
I’m very grateful for the support and guidance I have received from Share Lawyers. The team has been professional, caring, and responsive throughout the process. I appreciate their help and would recommend them to anyone looking for support with a disability claim.
I called and within 4 months we won against my disability insurer. Great team from Receptionist to the lawyers. Highly recommended.
I had a very positive experience working with Share Lawyers. From the beginning, their team was professional, supportive, and easy to trust.
No Legal Fees Until You Win Your Case
When you engage our services, we assemble a dedicated team of Toronto long term disability lawyers to support you. Every team member, from your client service lawyer to your litigation lawyers, is committed to treating you with respect, compassion, and honesty. At Share, we stand by your side, supporting you throughout the entire process. Call us—it's free!
How Our Toronto Disability Lawyers Support You
A denied disability claim can leave you uncertain about your options and overwhelmed by the insurer’s process. Our team provides straightforward guidance from the outset, helping you understand your position and the steps available to you. For decades, we have helped people in Toronto challenge disability-benefit decisions that were unfair or unsupported.
Speak With Our Team First
Book a free consultation to tell us what happened and discuss a claim that has been refused, delayed, or terminated. You can meet with us remotely from home, and you will not pay any upfront legal fees.
Advice Tailored to Your Claim
No two LTD files are the same. We carefully assess the details of your situation, including your medical documentation and the insurer’s explanation for its decision, then recommend an approach based on your circumstances. Our lawyers create a clear strategy designed to put your claim in the strongest possible position.
Put the Insurer’s Process in Our Hands
Dealing with an insurance company while managing a disability can take a significant toll. Once you retain Share Lawyers, we take on communications and legal advocacy with the insurer, allowing you to focus more fully on your well-being and recovery.
For more than 40 years, Share Lawyers has represented people pursuing disability benefits. Our focused practice is built on helping clients seek the financial support they need when an insurer says no.
What to Expect During the Long Term Disability Claims Process
Every LTD case is different, but most follow a similar path. Here's what that journey looks like when you work with Share Lawyers:
Consultation & Policy Review: We start by reviewing your policy, your denial letter, and your medical records so we understand exactly why your claim was denied and what it will take to change that outcome.
Deciding on an Appeal: Not every case should go through an internal appeal. We'll advise you honestly on whether appealing directly with the insurer makes sense, or whether it's time to pursue legal action instead.
Filing a Claim: If your case calls for it, we'll file a lawsuit on your behalf and begin building the strongest possible case for your entitlements.
Negotiation & Settlement: Many LTD claims are resolved without ever seeing a courtroom, through negotiation or mediation with the insurer.
Going to Trial: If a fair settlement isn't offered, we're fully prepared to take your case to court and fight for what you deserve.
Whatever stage your claim is at, Share Lawyer's team of long term disability lawyers combines legal skill with genuine compassion, because behind every file is a person going through a difficult time, and we never lose sight of that.
Lawyers Specializing in Disability Law
Lawyers Specializing in Disability Law
Finding a long term disability lawyer in Toronto does not need to be complicated. We have specialized in disability law longer than any other law firm in Canada. If you’re ready to get the disability benefits that you deserve, reach out to us immediately to schedule a free consultation.
Our Success Stories
Hear directly from our clients, who were wrongfully denied, how our legal team helped them overcome challenges and get the long term disability benefits they rightfully deserve
Faith's battle with Chronic Fatigue Syndrome shows how Share Lawyers fought back after her long term disability claim was unfairly denied—and won.
Everyone feels tired sometimes. With busy work and life schedules, it can be easy to overwork. But for those with Chronic Fatigue Syndrome (CFS), this feeling of being fatigued and tired doesn’t go away with a good night’s sleep. This condition is also known as systemic exertion intolerance disease (SEID) or myalgic encephalomyelitis (ME). Sometimes it’s…
Share Lawyers secured a long-awaited disability settlement for Diana Sutter after multiple denials for migraines, depression, and fibromyalgia.
Diana was a hard-working woman from Orillia, who loved her job. Having worked in the Mental Health field for over twelve years, Diana had dealt with many different people and situations. Not much could upset her anymore. She loved her co-workers and enjoyed going to work every day. Unfortunately, Diana suffered from severe chronic migraines and had been…
Toronto Lawyers for Disability, Employment, and Insurance Claims
Based in Toronto and serving clients across Ontario and Canada, Share Lawyers focuses on helping people protect their income, benefits, and employment rights. Whether your claim involves workplace disability coverage, a private policy, an employment dispute, or another type of insurance benefit, our team can help you understand the process and take meaningful next steps.
Disability claims: Employee benefits
Many employees receive long term disability coverage as part of their workplace group benefits plan. Although you may have paid for this protection through your employment, insurers can make the application and claims process difficult to navigate. These cases often depend on strong medical evidence, policy wording, and strict deadlines that are not always clearly explained. Our Toronto LTD lawyers can assist at every stage, from preparing an application to responding to a denied or terminated claim.
Disability claims: Privately purchased
Professionals, entrepreneurs, self-employed individuals, consultants, and freelancers may have disability insurance policies they purchased independently. Insurers often examine these claims closely, particularly when the policy provides substantial monthly benefits. Getting advice early can make a real difference. Our lawyers can review your circumstances, help you understand your policy, and provide representation throughout the LTD claims process.
Other Areas We Handle
Employment claims
We represent employees also managing disability claims who have been wrongfully dismissed, terminated, fired, or offered unfair severance. If you believe your employer has failed to respect your workplace rights or provide appropriate compensation, our Toronto employment lawyers can help you assess your options and pursue a fair resolution.
Insurance claims
We also act for people whose insurance claims have been refused, delayed, or unfairly handled. This includes life insurance, critical illness insurance, accidental death and dismemberment coverage, out-of-country medical insurance, and disability mortgage insurance claims.
Respected in the Legal Community
Our lawyers’ work on behalf of people with disability claims has been recognized by leading legal organizations. Share Lawyers is proud to be connected with the Law Society of Ontario, The Advocates’ Society, the Ontario Trial Lawyers Association, the American Association for Justice, and the Trial Lawyers Association of British Columbia. These professional connections reflect our commitment to advocating for people facing disability, employment, and insurance disputes.
We’re here to support you during
this difficult time
Frequently Asked
Questions
How long do I have to appeal a denied LTD claim?
Insurers often allow only 30 to 90 days for an internal appeal, so contact us right away and we'll confirm your deadlines before any of them pass.
How long does an LTD claim or lawsuit take to resolve?
Most cases resolve within several months to about two years, and the sooner you call us, the sooner we can start building your case and pushing the insurer toward a settlement.
What benefits can I claim in a long-term disability lawsuit?
You may be entitled to your past and future benefits, interest, legal costs, and in some cases extra damages for how the insurer treated you — call us and we'll tell you what your claim could be worth.
How can a Toronto LTD lawyer assist me?
We take over everything the insurer is putting on you — the policy review, the medical evidence, the paperwork, and the negotiations — so you can focus on your health while we fight for the benefits you paid for.
What factors should I consider when selecting a long-term disability lawyer near me?
Choose a firm that handles disability claims every day, has a proven record against Canada's biggest insurers, works on contingency, and treats you like a person — which is exactly the standard we hold ourselves to.
How much does a long-term disability lawyer in Toronto cost?
Nothing upfront — we work on contingency, so you pay no fees unless we win your case, which means there's no risk in reaching out to find out where you stand.
Frequently Asked Questions
Don't accept the denial as final — get the insurer's written reasons, keep your medical treatment going, and call us for a free consultation, because most denials can be challenged.
Insurers often allow only 30 to 90 days for an internal appeal, so contact us right away and we'll confirm your deadlines before any of them pass.
Most cases resolve within several months to about two years, and the sooner you call us, the sooner we can start building your case and pushing the insurer toward a settlement.
You may be entitled to your past and future benefits, interest, legal costs, and in some cases extra damages for how the insurer treated you — call us and we'll tell you what your claim could be worth.
We take over everything the insurer is putting on you — the policy review, the medical evidence, the paperwork, and the negotiations — so you can focus on your health while we fight for the benefits you paid for.
Choose a firm that handles disability claims every day, has a proven record against Canada's biggest insurers, works on contingency, and treats you like a person — which is exactly the standard we hold ourselves to.
Nothing upfront — we work on contingency, so you pay no fees unless we win your case, which means there's no risk in reaching out to find out where you stand.
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