If your long-term disability (LTD) benefits were denied, delayed, or cut off, you’re not alone. Many Oshawa residents rely on LTD benefits when a medical condition makes it impossible to keep working — whether they work in Durham, Toronto, or anywhere across the GTA.
At Samfiru Tumarkin LLP, our disability lawyers help people in Oshawa navigate unfair insurance decisions and recover the payments they’re legally owed. As Canada’s most positively reviewed disability law firm, with 3,000+ 5-star reviews, we know how to challenge insurers and win.
No upfront fees. No risk. Free consultation.
Oshawa’s Trusted Long Term Disability Lawyers
Living in Oshawa, you may work locally or commute across Durham and Toronto. No matter where your employer is located, your LTD claim is governed by your insurance policy — and your rights are the same.
If your insurer claims you’re “not totally disabled,” your medical evidence is “insufficient,” or that you “can return to work,” we can help you challenge the decision.
Start with a Free LTD Consultation
Top 3 Reasons to Hire a Disability Lawyer
Who Qualifies for Long Term Disability Benefits?
You may be eligible for LTD benefits if a medical condition prevents you from performing your job duties, including:
- Chronic pain, fibromyalgia
- Depression, anxiety, PTSD
- Long COVID
- Cancer or autoimmune conditions
- Back injuries, migraines
- Neurological disorders
- Fatigue, cognitive impairment
Even when you have supportive medical evidence, insurers often deny claims for reasons that feel unfair. That’s when an LTD lawyer becomes essential.
👉 You can explore a full list of conditions in our resource on medical conditions that qualify for disability benefits in Canada.
Common Reasons LTD Claims Are Denied in Oshawa
Insurance companies frequently deny valid claims using broad or technical explanations.
If this has happened to you, review our guide on what to do when your long-term disability benefits are denied in Ontario.
They argue you can still work in some capacity.
They claim your symptoms aren’t “objectively measurable.”
Minor paperwork issues can trigger a full denial.
They suggest you didn’t follow treatment recommendations.
Photos or videos are misinterpreted to downplay your limitations.
An insurer-hired physician reviews your file and contradicts your care team.
🚨 Internal appeals rarely work. They can delay your ability to take legal action. Before you appeal, read our guide on internal appeals for long-term disability claims.
Understanding Long Term Disability in Oshawa
Oshawa is a commuter-based community, and LTD claims arise from a wide range of occupations — office work, skilled trades, healthcare, retail, education, transportation, and more.
No matter where you work or what your job requires, your LTD entitlement depends on:
- Your insurance policy wording
- The definition of disability in your policy
- Your medical condition, symptoms, and limitations
- Your doctor’s opinion
- The insurer’s interpretation of evidence
Some residents also qualify for federal support like CPP Disability in addition to LTD benefits.
How LTD Claims Work in Ontario
- Most policies start with an “own occupation” definition (first 24 months).
- After two years, the test usually becomes “any occupation.”
- Insurers often cut people off right at this change.
- You do not have to complete internal appeals.
- You have two years from the initial denial to start a legal claim.
We Take on the Largest Insurance Companies
Our Oshawa LTD clients often face disputes with:
Sun Life
Canada Life
RBC Insurance
Desjardins
Blue Cross
Industrial Alliance
Beneva / SSQ
The Co-operators
Empire Life
We know how these companies assess claims — and how to respond when they get it wrong.
👉 To learn more about Canada’s major insurance providers and how they handle disability claims, explore our List of Insurance Companies in Ontario.
FAQ: Long Term Disability Claims in Oshawa
How much does it cost to hire an LTD lawyer?
$0 upfront. We only get paid if we recover compensation for you.
Can I be fired while on LTD?
You can’t be terminated because you’re on disability leave. If you are let go, you may be owed severance pay in Ontario.
What if my benefits stop after two years?
This is common. We can often challenge and overturn a cut-off.
How long do LTD benefits last?
Most policies pay until age 65 if you remain disabled.
Should I appeal the denial myself?
No — speak to a lawyer first. It protects your rights and increases your chances of success.
Why Choose Samfiru Tumarkin LLP
Canada’s Most Reviewed Disability Law Firm
3,000+ 5-star reviews across the country.
Proven Results
Millions recovered for clients after unfair LTD denials.
Deep Experience Across Ontario
We represent clients in Oshawa and throughout the Durham Region — regardless of where they work.
No Fees Unless We Win
Our contingency fee structure removes all financial barriers.
Success Stories
Teacher’s LTD Denial Overturned
We recovered more than $113,000 for an Ontario educator who was wrongly denied long-term disability benefits.
LTD Benefits Reinstated After Caregiving Misjudgment
We challenged Sun Life’s decision to cut off single mother Sandra Bullock's disability benefits after the insurer claimed caring for her disabled child meant she could return to work.
Paralysis Case Wrongly Dismissed
We fought for a client whose insurer claimed he wasn’t “paralyzed enough,” securing recognition of his paraplegia and restoring his disability benefits.
Wrongly Cut Off During Mental Health Crisis
We successfully represented a mother whose LTD benefits were suddenly terminated despite severe depression, anxiety, and full medical support.
⭐What Clients Say⭐
Serving Oshawa & the Durham Region
We assist clients across:
- Samac
- Taunton
- Windfields
- Donevan
- O’Neill
- McLaughlin
- Central Oshawa
- Lakeview
We also help people living in Whitby, Courtice, Bowmanville, Ajax, and Pickering. For a broader overview of our disability services across the province, visit our page for long disability lawyers in Ontario.
How We Can Help You Win Your Disability Claim
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Step 1 — We Review Your Policy and Denial Letter
We explain the insurer’s decision in clear, simple terms so you know exactly what went wrong.
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Step 2 — We Collect the Medical Evidence You Need
We work with your doctors to gather strong, supportive documentation for your claim.
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Step 3 — We Communicate Directly With the Insurer
We handle the calls, letters, deadlines, and paperwork so you don’t have to.
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Step 4 — We Challenge Unfair Denials and Cut-Offs
We push back against incorrect assumptions and errors in the insurer’s assessment.
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Step 5 — We Negotiate for the Full Benefits Owed
We seek back pay, ongoing payments, and any additional compensation available under your policy.
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Step 6 — We Guide You Through the Entire Process
We provide clear updates and support at every stage so you always know what to expect.