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.

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    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.

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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.