Available 24/7:
1-855-932-4929
97% Success Rate
Long Term Dissability Insurance Claims
You pay NOTHING unless we win. Our experienced
legal team has recovered over $30 million for our
clients in the last 5 years
You pay NOTHING unless we win. Our experienced legal team has recovered over $30 million for our clients in the last 5 years
FREE Case Evaluation - No obligation, 100% confidential
LATEST CASE RESULT
$1.56 Million Settlement
Family Compensated After Father Suffered Life-Changing Injuries in Pedestrian Accident.
$30 million in aggregated settlement and treatment in Personal Injuries cases won in the last 5 years.
View More Case Results →
$30 million in aggregated settlement and treatment in Personal Injuries cases won in the last 5 years.
Settlement finalized
on May 2025
on May 2025
JUST WON
Our Expertise
Practice Areas
Our specialized team handles all types of personal injury cases. Select your
case type below to learn how we can help you maximize your compensation.
$1.5 Million
🚗
Car Accident
Representation for victims of automobile collisions and crashes.
$550K Recent Win
🚴
Bicycle Accident
Legal support for cyclists injured on the road.
97% Success Rate
🏍️
Motorcycle Accident
Specialized representation for motorcycle crash victims.
$250K Recent Win
🐶
Dog Bite
Assistance for victims of dog attacks and animal-related injuries.
$140K Recent Win
🚌
Public Transit Accident
Help for those injured on buses, trains, and other public transportation.
High Success Rate
⚠️
Slip and Fall
Support for injuries from dangerous premises and conditions.
97% Success Rate
❗
Hit and Run Accident
Specialized help for victims of hit and run incidents.
$1.2 Million Recent Win
👣
Pedestrian Accident
Representation for pedestrians struck by vehicles.
Apply to Our Firm for Consultation
Compassionate Guidance In Injury Practice Areas
Disability Insurance Claims | Understanding Your Coverage
If you’ve developed a disability due to an illness, vehicle collision, medical malpractice, slip or trip incident, or even an assault, you may be entitled to benefits through various disability insurance policies. These can include short-term disability, long-term disability, critical illness coverage, and mortgage disability insurance.
Navigating the application process for these benefits can be complex, and unfortunately, insurers often reject or cut off valid claims. In such cases, having an experienced disability insurance lawyer on your side can make all the difference in contesting an unjust denial or termination of benefits.
Long-Term Disability FAQ: Money Matters
How Much Will You Receive from Your Long-Term Disability (LTD) Insurance?
The payments you receive from your LTD insurance are referred to as benefits. The exact amount depends on the specific terms of your policy, but these benefits are generally paid on a monthly basis, after the fact (in arrears). In most cases, the benefit is calculated as a percentage of your income before the disability began, commonly between 50% and 70% of your gross salary.
Some policies may include bonuses and overtime earnings when determining your benefit, while others may impose a cap on the monthly amount, particularly for individuals with higher incomes. If your LTD plan includes cost-of-living or inflation adjustment clauses, your monthly payment may increase annually. Alternatively, certain policies offer a fixed monthly amount rather than a percentage of your previous income.
Are Long-Term Disability (LTD) Benefits Paid Forever?
In most cases, LTD benefits are only paid while the individual meets the definition of being “totally disabled.” Typically, this means you’re unable to perform the duties of your own job for the first 24 months of receiving benefits. After that, the criteria usually become stricter: you must be unable to work in any occupation for which you're reasonably suited by education, training, or experience.
If you continue to meet this revised definition of total disability, benefits can be paid until you reach the age of 65, which is generally the maximum duration for LTD coverage.
Are My LTD Benefits Taxable?
The answer to this question depends on policy terms and how premiums were paid.
Can Other Payments Reduce My LTD Benefits?
Most LTD plans allow insurers to deduct amounts received from other sources, such as CPP Disability or Workers' Compensation.
Reach Out to Our Legal Team Today
If you have questions about your eligibility, a denial, or the conditions of your LTD policy, our experienced legal team is here to help. Contact us for a free consultation.
Why Has my Long-Term Disability Claim Been Denied?
Many long-term disability (LTD) insurance providers follow their policy terms closely and handle claims fairly and efficiently. In principle, if a claimant meets the conditions outlined in the policy and qualifies as Totally Disabled, they should receive LTD benefits.
However, as experienced LTD lawyers often see, insurers sometimes deny valid claims. If your application for LTD benefits has been rejected, it’s important to seek guidance from a lawyer who specializes in long-term disability claims. They can help safeguard your rights and work to recover the benefits you’re entitled to.
How Can I Qualify for Long-Term Disability Benefits in Ontario?
While many people are fortunate enough to avoid a serious illness or injury that disrupts their ability to work full-time, long-term disability (LTD) insurance is designed to provide financial support if such a situation arises.
However, even with coverage in place, accessing LTD benefits is not always straightforward. The claims process can be complicated, and valid claims are sometimes denied. If you’re unable to work due to a medical condition or injury and your LTD claim has been rejected, it’s in your best interest to consult a skilled long-term disability lawyer who can guide you through the appeals process and help you fight for the benefits you deserve.
How Do I Prove That I Am Disabled?
To begin receiving benefits under a long-term disability (LTD) insurance policy, you must first show that your condition meets the policy’s definition of total disability. While the wording can vary between insurers, the general standard is that for the first 24 months, you are considered totally disabled if your illness or injury prevents you from meaningfully performing the essential duties of your own job. After that period, the definition usually becomes stricter; you must be unable to carry out the responsibilities of any job for which you are reasonably qualified based on your education, training, or work experience.
To support your claim, you'll need to provide a medical statement from your doctor outlining the nature and severity of your condition. Insurers also typically require objective medical evidence, such as doctor’s notes, lab tests, imaging results (like MRIs or X-rays), physical exam findings, and surgical or specialist reports, to verify the legitimacy of your disability.
Will I Be Required to Apply for Canada Pension Plan Disability (CPP-D) Benefits?
In many long-term disability (LTD) insurance policies, claimants are obligated to apply for Canada Pension Plan Disability (CPP-D) benefits. This is because insurers are often allowed to deduct any CPP-D payments you receive from the monthly LTD benefits they pay you, effectively reducing their financial obligation.
What Are the Requirements for Receiving LTD Benefits?
In addition to proving that you meet the definition of total disability, there are several other conditions you may need to fulfill to qualify for long-term disability benefits:
- Keep your policy active by paying any required premiums
- Show that you were employed full-time when the dissability began
- Complete the elimination period (the waiting time between the start of the disability and when benefit payments begin)
- Confirm that your condition isn’t excluded under the terms of your policy
- In some cases, demonstrate that your disability is not related to a pre-existing condition-maning it wasn’t diagnosed or treated shortly before your coverage stated.
It's important to note that every insurance provider has its own set of rules, so requirements may vary depending on your specific policy.
How a Long-Term Disability Lawyer Can Help
At VClawyers, our lawyers have decades of experience supporting clients with serious medical conditions in securing the long-term disability benefits they’re entitled to. If your claim has been denied or your benefits have been cut off, contact us today at1-855-932-4929 to learn how we can advocate on your behalf and help you fight back against an insurer’s decision.
Long-Term Disability Insurance Claim Lawyers in Ontario
Experienced Legal Support for Clients in Ontario, Including Kingston and Beyond
Long-term disability (LTD) insurance is commonly obtained through private policies or as part of an employee benefits package. Unfortunately, many individuals who have paid into their plans for years are shocked to find their claims denied when they finally need to rely on their coverage.
This experience can be overwhelming, especially for those coping with the physical, emotional, and financial impact of a serious illness or injury that prevents them from working.
Ontario Lawyers for Long-Term Disability Benefit Claims
At VClawyers, we know that insurance companies don’t always honour their contractual obligations. Valid claims are sometimes denied without proper justification. Our mission is to advocate for our clients and hold insurers accountable, ensuring that our clients receive the full benefits promised in their LTD policies.
Common Reasons for LTD Claim Denials
Insurers may reject disability claims for a variety of reasons, including:
- The applicant is considered not to meet the policy’s definition of “totally disabled”
- Alleged inaccuracies or misstatements on the initial insurance application
- The insurer believes the claimant is fit to return to work
- The condition is deemed pre-existing and not disclosed at the time of application
These denials often leave claimants feeling powerless, especially if they lack familiarity with insurance law and how to dispute the insurer’s decisions.
We’re Here to Support You — Call 416-661-4529 or 1-855-932-4929 for a Free Consultation
If your long-term disability claim has been unfairly denied, our legal team is ready to help you pursue the compensation you deserve. Contact us today to schedule a consultation with our long-term disability lawyers. We have offices serving clients across Ontario, including Toronto, the GTA, Kingston, and throughout Eastern Ontario.
THE DIFFERENCE
What Make Us Different
See how choosing VC LAWYERS can dramatically impact the outcome of your personal injury case.
| With VC LAWYERS | Without VC LAWYERS |
|---|---|
| ✔Thorough case investigation with expert witnesses | ❌Basic investigation with limited resources |
| ✔Maximum compensation for ALL damages (known and unknown) | ❌Quick settlement that doesn't cover future expenses |
| ✔97% success rate with proven results | ❌Uncertain outcome with no proven track record |
| ✔No fees unless we win your case | ❌Potential upfront fees and expenses |
| ✔24/7 access to your legal team | ❌Limited availability and communication |
5 Reasons to Choose VC Lawyers
Decades Of Experience In Helping Victims Of Traffic Accidents.
Our personal injury law firm has decades of experience in helping victims of traffic accidents.
Claim Your
Free Consultation
Proven Success
Recent Case Results
These are real settlements we've won for clients just like you. Your case could be next.
RECENT WIN
$140,000
Public Transit Accident
Client sustained injuries after being a passenger on a TTC bus that derailed and flipped on the side
Settlement Date: February 2025
$550,000
Bicycle Accident
A cyclist was hit by a vehicle turning right, resulting in significant injuries requiring extensive treatment.
Settlement Date: December 2023
$250,000
Dog Bite Claim
Client sustained injuries after a dog bite and needed stitches
Settlement Date: June 2025
RECENT WIN
$260,000
Drowning Accident
The family was compensated for the death after our client drowned at a pool party.
Settlement Date: April 2024
$1.56 Million
Distracted Driver
A distracted driver on their phone, hit our client, who was crossing at an intersection. Resulting in injuries leading to the amputation of their leg.
RECENT WIN
$1.2 Million
Pedestrian Accident Claim
Claim won against a negligent driver in a pedestrian accident
Settlement Date: April 2025
$310,000
Rear-end Accident
Client was a driver of a vehicle in downtown Toronto, sitting in traffic when he was suddenly rear-ended by another vehicle. The impact pushed his car forward, causing injuries and damage.
RECENT SETTLED
$250,000
Pedestrian Accident Claim
Settlement claim against the driver who hit a pedestrian in a parking lot.
Settlement Date: April 2025
$350,000
Long Term Disability Claim
Suffering from Brain Injury after Bacterial Meningitis
VC Lawyers can drastically impact the outcome of your Personal Injury Claim by utilizing the latest technology. No fees unless we win. We're here when you need us.
We focus on catastrophic cases, like brain injuries, permanent impairment, and motor vehicle death, but also handle all serious injury claims, including car accidents, slips and falls, and long-term disability. No fees unless we win. We’re here when you need us.
Vaturi & Cho LLP Toronto
1110 Finch Avenue West Unit 310, Toronto, ON M3J 2T2
- Email Us:
info@vclawyers.ca Call for a FREE Consult
1-855-932-4929Local Calls:
416-661-4529Fax Number:
416-661-5529
Vaturi & Cho LLP Markham
110 Denison Street, Unit 10 Markham, ON L3R 1B6
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- Email Us:
info@vclawyers.ca
Call for a FREE Consult
1-855-932-4929Local Calls:
- 416-661-4529
Fax Number:
- 416-661-5529
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