Serving all of Canada.

LTD Insurance Benefits Cut Off?

AS FEATURED ON

Settlements

Please note that previous results are not indicative of future results, as each case is different. The numbers presented here are rounded numbers.
SETTLEMENT
Long-Term Disability
$2,200,000
Our client was denied LTD payments after struggling with mental health problems. We settled for more than $500,000 over the policy value due to the insurance company’s bad conduct.
SETTLEMENT
Long-Term Disability
$995,000
The individual was a trader who had a nervous breakdown during the 2008 financial crisis. His insurer initially denied his LTD claim but we were able to challenge that successfully.
SETTLEMENT
Long-Term Disability
$900,000
We successfully obtained a settlement for an employer who was denied LTD benefits after being fired by his employer.
SETTLEMENT
Long-Term Disability
$750,000
Client unable to work relating to health issues.
SETTLEMENT
Long-Term Disability
$713,000
We successfully achieved a settlement for a client with CRPS who had their benefits cut-off after attempting to return to part-time work. Inclusive of $130,000 in punitive damages.
SETTLEMENT
Long-Term Disability
$420,000
We successfully obtained a settlement for a client whose benefits were denied due to their insurer’s misinterpretation of their own medical reports. This included $100,000 in punitive damages.

Common Triggers to Benefits Being Cut Off

  • Change of definition
  • IME or FCE findings used against you
  • Surveillance allegations
  • And more

The insurance company made a promise to support you.

Now it’s time to make them keep it.

We’ll Handle the Heavy Lifting

If you have been receiving LTD insurance benefits only to have them terminated, cut off, by the insurance company, this is for you.

When you signed up for your disability insurance policy, you expected a straightforward agreement: you pay, and they provide support if you become disabled.

Many of our clients are shocked when they receive their denial letters, especially because the insurance company had already recognized a problem and been paying out. The disbelief is palpable, and most assume that if the insurance company re-evaluated their case, insurance would reinstate the benefits.

Here’s the reality:

To successfully litigate a benefits denial, you must provide documentation that proves you should continue receiving benefits.

How do we achieve this?

  • We work closely with your healthcare providers to obtain medical reports, treatment history, and medical opinions that clearly explain why your condition meets the insurer’s definition of disability.
  • We bring in vocational experts, when needed, to explain why you cannot return to work, either in your current role or any other job that matches your skills and training.
  • We analyze the fine print of your insurance policy to uncover how the insurer may be interpreting it unfairly or inconsistently.
  • And more.

Ultimately, we build a case that can withstand scrutiny by a judge. While not every claim proceeds to trial, we prepare each file thoroughly, knowing that strong evidence often encourages the insurance company to settle before it reaches that stage.

This is precisely what we do for individuals who have been denied their long-term disability insurance benefits. While we cannot guarantee the outcome of your claim, we can assure you that we only get paid if and when you do. We will work tirelessly on your behalf to secure the best possible outcome.

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About Our Firm

Our law firm has been proudly representing Canadians with access to justice since 1959. We understand how challenging it can be for you and your loved ones when trying to get your life back together when disabilities are making it difficult or impossible to work.

Our lawyers and legal team work tirelessly to get you the compensation you deserve as well as handling everything we can for you. If and when there’s something we need you to do, we’ll be by your side every step of the way to support you.

With us, you’re never alone.

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Disclaimer
THIS IS LAWYER ADVERTISING
Past results are not indicative of future results.

In no way does the information presented on this page constitute as legal advice nor are we implying that you are guaranteed compensation. In order to determine whether you qualify for compensation, you will need to speak to a lawyer about your case to obtain specific legal advice to your unique situation. A lawyer is only able to represent you once you have officially retained them for legal services and a retainer agreement has been signed. Nothing in this advertisement is intended to disparage the insurance industry. The statements made herein are based on the law firm’s experience.

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