If your long-term disability (LTD) claim has been denied in Toronto, you’re likely feeling frustrated, confused, and overwhelmed. After all, LTD benefits are often a financial lifeline when an illness or injury prevents you from working. But don’t panic—being denied is not the end of the road. You have rights, and there are steps you can take to fight back and get the support you deserve.
Here’s what you need to know—and what to do next—if your long-term disability (LTD) claim was denied in Toronto, and why speaking with a long-term disability claim lawyer in Toronto could be the key to turning things around.
1. Understand Why Your LTD Claim Was Denied
The first step is to carefully read the denial letter from your insurance company. This document should outline the reasons your claim was refused. Common reasons for denial include:
- Insufficient medical evidence
- Missed deadlines or paperwork errors
- Disagreement over the severity of your condition
- Surveillance or social media suggesting you’re not disabled
- Your condition doesn’t meet the policy definition of “disability”
Knowing the exact reason for the denial helps you prepare a strong appeal or legal case.
2. Request a Copy of Your Policy and Claim File
Ask your insurer for a complete copy of your LTD policy and your claim file. The policy will contain key definitions, exclusions, and appeal procedures, while the claim file includes medical records, adjuster notes, and any assessments used to make their decision.
You’re entitled to these documents, and they can provide valuable insight into how to challenge the denial.
3. Don’t Rush Into an Appeal Alone
Many people think they must immediately file an internal appeal through the insurance company—but that’s not always the best route. Internal appeals often don’t work because they are reviewed by the same insurer that denied your claim in the first place.
Before you respond, consult a Toronto LTD claim lawyer to explore your legal options. You may be better off skipping the internal appeal and filing a lawsuit, especially if the insurer is acting in bad faith or the denial seems unreasonable.
4. Collect Stronger Medical Evidence
A denial doesn’t mean your disability isn’t real—it may just mean the insurer didn’t believe your evidence was strong enough. Work with your doctors to strengthen your claim with:
- Updated medical reports and test results
- Letters from specialists outlining your functional limitations
- Independent medical assessments (if needed)
- A detailed description of how your condition prevents you from working
Make sure your doctor is using language that aligns with your policy’s definition of “total disability.”
5. Avoid Common Mistakes After a Denial
After a denial, emotions run high. That’s understandable—but be cautious. Avoid:
- Posting on social media: Insurers often monitor claimants’ social profiles for “evidence” that contradicts disability claims.
- Missing deadlines: In Ontario, you typically have two years from the date of denial to file a legal action. Don’t wait too long.
- Going back to work too soon: Doing so without medical clearance could be used against you in your claim.
6. Speak to a Long-Term Disability Lawyer in Toronto
Hiring a lawyer who specializes in LTD denials is one of the best steps you can take. They can:
- Review your denial and advise you on your rights
- Help gather and submit strong supporting evidence
- Negotiate directly with the insurer
- File a lawsuit, if necessary, to recover your benefits
Most LTD lawyers in Toronto work on a contingency fee basis, meaning you don’t pay unless they win your case.
7. Know Your Rights Under Ontario Law
In Ontario, insurance companies must treat you fairly and in good faith. If they’ve denied your claim unreasonably, you may be entitled to compensation beyond LTD benefits, including damages for mental distress and punitive damages.
Ontario courts have repeatedly held insurers accountable for unjust LTD denials—so don’t be afraid to assert your rights.
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Conclusion: You’re Not Alone—And You’re Not Powerless
Having your LTD claim denied can feel like a devastating setback, but it’s not the end. Many people successfully fight back and secure the benefits they’re entitled to with the right support. If you’re in Toronto and your long-term disability claim has been denied, take action today. Get legal advice, gather stronger evidence, and stay focused on your recovery. With the right steps, you can move forward with confidence and reclaim control over your future.
Tip: Keep a record of all communication with your insurer, including emails, letters, and phone calls. This can be helpful if your case ends up in court.
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