Have your long-term disability (LTD) benefits been denied, terminated, or cut off after two years? Monkhouse Law represents employees across Toronto and Ontario in LTD denials, benefit terminations, and “any occupation” disputes. Before you sign anything from your insurer, get legal advice about your options and timelines.
We assist clients in Toronto, the GTA, and across Ontario. Request a free 30-minute phone consultation or call 416-907-9249.
Get Help From a Toronto Long-Term Disability Lawyer at Monkhouse Law
If your LTD claim has been denied or your benefits have been terminated, you’re not alone. Insurers often deny valid claims or cut off benefits when they switch from an “own occupation” test to an “any occupation” test after two years.
Monkhouse Law is a nationally recognized employment law firm in Toronto with deep experience in disability disputes. We approach LTD matters with a practical understanding of insurance policies, employment contracts, and human rights protections. We have worked on disability files since 2013, giving us over a decade of insight into how insurers handle claims.
We only represent employees and individuals — not insurers or employers.
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
How We Help With LTD Denials and Benefit Terminations
1) Claim Review and Strategy
We review your denial or termination letter, policy wording, and medical evidence to identify what the insurer is relying on and what is missing. We then map out a strategy that fits your situation, including deadlines and next steps.
2) Negotiations With Insurers
Where appropriate, we negotiate directly with insurers to resolve matters efficiently and fairly — with a focus on reinstating benefits or achieving a reasonable settlement without unnecessary delay.
3) Litigation When Needed
If the insurer refuses to deal fairly, we can pursue legal action. Monkhouse Law’s litigators have successfully challenged major insurance companies and advanced important disability-related issues in Ontario.
Long-Term Disability Resources
- 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.