Long-term Disability (LTD) Insurance

A long-term disability benefit (LTD) policy is intended to provide financial support when someone is rendered disabled from work due to illness or injury. Long-term disability benefits are paid to the insured person if the insured person meets the “disability test” set out in the policy of insurance. Typically, the disability test relates to the insured person’s ability to return to their own job or another job that would be appropriate for them given their education, training, and experience. A person can become disabled from work for a variety of reasons including as a result of a car accident, slip-and-fall accident, medical malpractice injury, workplace injury, or illness.

If you or a loved one has suffered physical or emotional trauma that prevents you from returning to work and your insurance company is denying your claim or has terminated your benefits, hiring a long-term disability insurance lawyer will alleviate your financial worries and the stress of dealing with your insurance company. The experienced lawyers at Beyond Law will be able to efficiently guide you step by step through your long-term disability insurance lawsuit and help you get peace of mind and, ultimately, secure the compensation you and your family deserve.

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    People can become disabled from work as a result of physical and/or psychological impairment. Some examples of serious physical injuries are partial or full paralysis due to spinal cord injury, cognitive impairments due to brain injury, severe muscle or nerve damage, or other long-term or permanent conditions such as chronic pain or fibromyalgia. Psychological and mental injuries include Post-Traumatic Stress Disorder (PTSD), depression, or anxiety, which can also cause someone to be disabled from work.

    We also understand that every client and every case is different. We do not believe in a “one size fits all” approach. With our broad experience, knowledge of the law, and thoughtful approach, we will ensure the right strategy is employed for your specific case. We will be by your side throughout the whole legal process by making things understandable and accessible. You’ll be able to ask tough questions, be confident in your decisions, and feel a sense of control as we put you in the driver’s seat.

    If you or someone you love is unable to return to work due to a severe injury and your insurance is denying your claim for disability or terminating your benefits, don’t hesitate to contact our Toronto long-term disability insurance lawyers to find out how we can help you.

    Located in downtown Toronto, our experienced team of Toronto long-term disability insurance lawyers is accessible in person or via phone, email, or video conference, representing clients from across the province, in Toronto, Whitby, Oshawa, or anywhere else in Ontario.

    We collect and develop the necessary evidence to build a strong case so that you can receive the settlement you and your family deserve.

    Talk to Us

    The first step in pursuing your case is to talk to an experienced Toronto long-term disability insurance lawyer at Beyond Law. We go above and beyond to communicate with you, build your case, and resolve it in the most successful way possible.

    Beyond Law offers free, no-obligation consultation sessions to identify potential paths to recovery and help you to understand your legal standing.

    Wherever you live in Ontario, Beyond Law is here to help in your time of need.

    long term disability

    When Should I Hire a Long-term Disability Insurance Lawyer in Toronto?

    If you or a loved one is disabled from work, hiring an experienced Toronto long-term disability insurance lawyer will make it far more likely to receive a favourable financial settlement than you would otherwise. In many cases, insurance companies will downplay or dismiss the seriousness of a person’s impairments and try to take advantage of the lack of familiarity with the legal system.

    This is why it is important to speak with a long-term disability insurance lawyer before talking to the insurance company. It is critical for you to get in touch with our Toronto long-term disability insurance lawyers as soon as possible to gather the necessary evidence, including expert medical opinions, to support your claim for benefits.

    How Much Does a Long-term Disability Insurance Lawyer in Toronto Cost?

    We believe that access to justice should not be determined by a person’s financial circumstances, or their ability to pay, but by the merits of their case. This is why we work on a contingency fee basis. That means you only pay legal fees on a percentage of recovery basis when your case is settled or once a verdict is obtained at a trial. Our fee model is designed to alleviate the financial hardship and stress experienced by our clients, many of whom are unable to work due to illness or injury.

    How Do I Choose a Reliable Long-term Disability Insurance Lawyer in Toronto?

    We recommend our clients do detailed research before selecting the right long-term disability lawyer in Toronto for their needs. At Beyond Law, we provide high-quality service and serious commitment to our clients regarding their disability cases – and we offer an approach tailored to the needs of our clients.

    What Our Clients Say

    Connor Cooper

    I was involved in a bad hit and run accident where I suffered life altering injuries. This was the most difficult time in my life and the case itself lasted 3 years. Josh Nisker thankfully was referred to me. All cases are unique and challenging in there own way but I believe due to certain details and circumstances my accident was an extreme example. That said Josh made the absolute best of a worst case scenario. I wouldn’t want any other lawyer or person in my corner if I had to go through it again. He’s extremely professional and punctual, smart and patient. He’s also whatever you need him to be, what I mean by that… he really cares, he listens, he’s genuine. He goes above and beyond his duty as a lawyer. In my case, story and eyes honestly Josh Nisker and his team at Beyond Law are heros. Also want to mention and thank Gabby for all her help, effort and support throughout the entire 3 years. She helped not only me but my family when I was in out of surgery and unable to get information, documents, etc to her or Josh. Thank you for everything. Choose Josh Nisker and the team at Beyond Law. They are voted the best, reviewed the best for a reason. Josh and his team proved it to my family and I from start to finish. I can’t say enough good things or even begin to explain how thankful iam.

    Henry R.

    In July of 2018, I was injured in a head-on collision that resulted in a 2-month hospitalization in which I almost lost my leg to amputation. Josh Nisker helped me through the most difficult 3 years of my life after a very traumatic and life-changing injury. I cannot begin to express my gratitude to Josh for all of his efforts in managing such a complex and challenging legal system. Josh is the most caring, kind, and hardworking Personal Injury Lawyer who is extremely thoughtful, methodical, and meticulous. These are just a few traits that make Josh an exceptional lawyer (and on top of that, an unbelievably kind person) who was voted as one of the best Toronto personal injury lawyers through “Best Lawyers in Canada (bestlawyers.com)”. This title is very well deserved! I would highly recommend Josh to anyone who needs a Personal Injury Lawyer. Josh is incredibly knowledgeable and goes out of his way to make sure that his clients are well represented and always has the best interest of his clients in mind. I am eternally grateful to have had Josh represent me, and I cannot thank and endorse Josh enough. He is truly exceptional!

    Dorelle Noronha

    I am extremely grateful to Kate Mazzucco for willingly accepting to help me out with my accident case which was not moving forward due to the negligence of the previous lawyer. Kate was outstanding and went above and beyond to handle my case. The level of service that i received was exceptional at every stage of the process. Kate is very knowledgeable and determined to work for the satisfactory benefit of her clients. I enjoyed dealing with Kate and her staff, (specially Gabby) they are courteous and made me feel very comfortable. They took the time to explain things when required. I would gladly recommend Kate & her team to anyone who needed a personal injury lawyer. I am sure you will receive the best service possible at Beyond Law. Note: Prior to reaching out to Kate Mazzucco, I had another very aggressive & rude lawyer from another firm handling my case. That lawyer made me very uncomfortable and nervous. It felt like he was working for the benefit of the opposite party. I am so glad that i contacted Beyond Law and spoke to Kate who so willingly agreed to represent me. Thank you Kate and thanks to your staff also for helping me overcome this hurdle.

    Charlotte Dove

    Finding yourself in need of a personal injury lawyer is one of the most overwhelming things you can experience. Over 5 years ago I was in that position and had the luck of finding the team at Beyond Law. They took care of every aspect of my case going above and “beyond” at every turn. They supported me in every way and were even instrumental in my case, as well as getting me the best medical care possible when I hit a roadblock. They were kind, encouraging and really know how to navigate this process so I never at any point had to worry that my best interests weren’t being looked out for. It allowed me to focus on my recovery and healing both my body and mind which is the most important part after an accident. This process is a scary one, especially when you are trying to focus on getting better and don’t know where to turn. Having a team like Kate, Gabby and the rest of the wonderful support staff at Beyond was essential to my recovery. If you are on the fence or unsure of your next steps, give them a call and they can walk you through the process and help you to start to get a resolution. You really need someone that you can trust in a situation like this and folks really are the gold standard.

    Lisa Kendrew-Smith

    While no one wants to find themselves in a position to reach out to a lawyer for help, Josh Nisker and his team from Beyond Law were able to guide me through one of the most difficult times for me and my family. I was impressed with not only the professional advice, but the way Josh provided comfort and understanding during this difficult time. Josh always provided prompt communication and answered all questions. While feeling stressed and lost on how to move forward, Josh was able to coach me step by step and was committed to getting the best possible outcome for my family. I will be forever grateful for Josh Nisker’s support and guidance and would highly recommend Beyond Law to help navigate through any difficult circumstance. Thank you again Josh!!

    Shane Feldberg

    I retained Josh Nisker to represent me in what other lawyers deemed a “very tough case”. I was impressed with his work ethic and knowledge of the law. I was also impressed with his accessibility and availability to my questions. He helped me navigate the complex process of dealing with insurance companies, my own lawyer who dropped the ball, and all the legal issues that come with my type case. Without Josh’s help, I would have been lost, I truly believe no other lawyer would have been able to handle it. His hard work and knowledge of the law resulted in me getting more money than I ever thought possible. Should you be in the unfortunate situation of having to hire a personal injury lawyer, I promise Josh Nisker from Beyond Law is the man you want representing you.

    Jenny Lee

    Thank you Kate, Gabby, and Melissa for your help. Thank you for listening to my frustrations and being so patient. Kate and her team are very courteous, efficient and knowledgeable. What I really liked was how prompt they were when we communicated. Also, I appreciate that she took it upon herself to personally check in or update me when needed, and gave me options for various services – including matters beyond law (no pun intended). I felt Kate and her team always went the extra mile. She made everything look so easy. I actually quite admire her – not only as a young professional but as a human. I cannot say enough, so I will end it here. Best wishes!!! xoxo

    Lesley McCausland

    Kate and her team at Beyond Law were an absolute pleasure to work with. After a debilitating injury in 2018 I found myself looking for help, yes I had no idea where to start. From the first meeting with Kate in 2019, I felt at ease and knew there would be a light at the end of the dark tunnel I had found myself in. It’s hard to put into would how incredibly thankful I am to Kate and Gabby and the entire beyond Law team. Kate worked extremely hard and pushed for the absolute best result.

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    FAQs About Long-term Disability Lawyers In Toronto

    While every case is different, in our experience the typical long-term disability lawsuit settles within three to five years (and possibly longer if the case goes to trial). You will want to hire a lawyer that you are comfortable with – one that is open, approachable, easy to talk to, available for your questions, and clear in their answers. Effective communication with your lawyer is key to ensuring you have the information you need to understand the process and make informed decisions about your case. This is especially true during settlement discussions or negotiations.

    Each case has a unique set of facts. During the initial free, no-obligation consultation, the experienced lawyers at Beyond Law can review the facts of your case and provide you with some guidance on this issue. 

    The evidence in your case will inform our assessment of your case.  As your case progresses and the evidence is collected and developed, our assessment may change. This is why hiring a lawyer who knows your case, inside and out, and is someone that you can trust is of the utmost importance.