Helping employees across Toronto and Ontario get approved, reinstated, or properly compensated after long-term disability claim denials.
Have your long-term disability (LTD) benefits been denied, cut off, or terminated after two years? You may have legal options beyond what your insurer has told you.
Monkhouse Law acts only for employees — never insurers. We have over a decade of experience handling LTD disputes and helping clients challenge unfair denials, delays, and benefit terminations.
Before signing anything or accepting a settlement, it is important to understand your rights, timelines, and potential entitlements.
Speak with a long-term disability lawyer. Request a free 30-minute phone consultation or call 416-907-9249.
Why Choose Monkhouse Law for Long-Term Disability Claims
When your income and financial stability are at stake, it is important to work with a lawyer who understands both the legal and practical realities of long-term disability claims.
- We represent employees only — never insurers or employers
- Extensive experience in LTD disputes, including denied claims, benefit terminations, and “any occupation” cases
- Focused on results — recovering benefits, negotiating settlements, and challenging unfair insurer decisions
- Experience dealing with major insurance companies and understanding how claims are assessed and denied
- Recognized employment law firm with lawyers featured in CBC News, The Globe and Mail, CTV News, and other leading media outlets
We assist clients in Toronto, the GTA, and across Ontario at every stage of a long-term disability claim — from initial denial to litigation when necessary.
Get Help With a Denied or Terminated LTD Claim
If your claim has been denied or your benefits have been cut off, you are not alone. Insurers frequently deny valid claims or terminate benefits when policies shift from an “own occupation” definition to an “any occupation” standard.
We help clients understand why their claim was denied, what evidence is needed, and what legal options are available.
Do not assume the insurer’s decision is final. Many LTD denials can be challenged or resolved with the right legal strategy.
Long-Term Disability Claims We Help With
- LTD claims denied (including “insufficient medical evidence” and “pre-existing condition” allegations)
- LTD benefits are terminated or cut off after being approved
- “Any occupation” disputes after two years (benefits reduced or stopped)
- Insurer requests for surveillance, functional testing, or independent medical examinations (IMEs)
- Pressure to accept unfair settlements or sign releases
- Delay tactics and bad faith claim handling
If your situation is not listed, you may still have a valid claim. Contact us to discuss your options.
How We Help With LTD Denials and Benefit Terminations
If your long-term disability claim has been denied or your benefits have been cut off, we focus on identifying the strongest path forward and taking action quickly.
1) Understand Why Your Claim Was Denied
We review your denial or termination letter, policy wording, and medical evidence to determine what the insurer is relying on — and where the weaknesses are. This helps us identify what needs to be challenged and what evidence may strengthen your case.
2) Develop a Strategy to Recover Benefits or Compensation
Based on your situation, we outline your legal options and next steps. This may include pursuing reinstatement of benefits, negotiating a settlement, or preparing for litigation.
3) Deal Directly With the Insurance Company
We communicate with the insurer on your behalf and handle negotiations with a focus on resolving the matter efficiently and fairly.
4) Take Legal Action When Necessary
If the insurer refuses to deal fairly, we can pursue legal action. Our team has experience advancing disability claims through the courts and holding insurers accountable.
Get advice before taking the next step. Request a free 30-minute phone consultation or call 416-907-9249.
Frequently Asked Questions About Long-Term Disability Claims
What should I do if my long-term disability claim is denied in Ontario?
You should seek legal advice before appealing or accepting the insurer’s decision. Many LTD denials can be challenged, and early action can help preserve your rights and strengthen your claim.
How long do long-term disability benefits last?
Most LTD policies provide benefits under an “own occupation” definition for the first two years. After that, the test usually changes to “any occupation,” which often leads to benefit terminations or disputes.
Do I need a lawyer for a long-term disability claim?
Not always — but if your claim has been denied, delayed, or terminated, speaking with a lawyer can help you understand your options and avoid costly mistakes.
How much is my long-term disability claim worth?
The value of a claim depends on factors such as your income, policy terms, age, and how long benefits should have been paid. A lawyer can help assess potential compensation.
Can LTD benefits be reinstated after being cut off?
Yes. In some cases, benefits can be reinstated through negotiation or legal action, depending on the facts of your case and the medical evidence available.
Learn More About Long-Term Disability Claims
- What is long-term disability (LTD)?
- Starting an LTD claim
- Appealing an LTD denial
- Manulife LTD: What happens after two years
- Sun Life LTD: What happens after two years
- CPP and LTD benefits
- Limitation periods and deadlines
Need help right now? Speak with a long-term disability lawyer. Request a free 30-minute phone consultation or call 416-907-9249.