Disability Lawyer Toronto
Toronto • Disability insurance claims
Long-Term Disability Lawyer Toronto
Denied Doesn’t Mean Defeated.
You’re dealing with an illness or injury. Now your insurer says you don’t qualify. You don’t have to take on that fight alone.
At Samfiru Tumarkin LLP, our Toronto disability lawyers challenge denied and cut-off LTD claims, handle the insurer dispute, and fight for the benefits and compensation you’re owed.
Prefer to talk? Call 1-855-821-5900
Free Case Evaluation
Tell Us What Happened
A denial is not the final word.
Let us deal with the dispute.
You focus on your health.
A dedicated lawyer. Plain-language advice. A team that understands both disability insurance and employment law.
Our lawyers featured in national and Toronto media
What’s Happening With Your Claim?
One Step at a Time
Start with a conversation. We’ll listen and help you
understand what comes next.
1. Tell Us What Happened
Tell us what you’re going through and what your insurer
has said. You don’t need every document or a perfect
explanation to get started.
2. Get Clear Advice
We’ll listen, answer your questions and explain your
options—including legal fees—so you can decide what
feels right for you.
3. Let Us Handle the Dispute
If you choose us, we’ll build your case and handle the
insurer dispute, keeping you informed while you focus
on your health.
Real People. Life-Changing Results.
Sandra Bullock • Sun Life
Her Benefits Stopped. We Helped Get Them Back.
Sun Life cut off Sandra’s disability benefits. Our firm challenged the decision. Following legal action and media attention, her payments were reinstated.
Julie Austin • OTIP
Her Insurer Cut Her Off. We Turned the Tables.
After a student assault left teacher Julie Austin with a brain injury, her insurer cut off her LTD benefits. Our team turned the insurer’s own surveillance against its case and helped Julie secure compensation.
Mitch Murphy • Beneva
Paralyzed. His Insurer Said No. We Pushed Back
Mitch Murphy’s insurer disputed whether his paralysis met its policy definition. Sivan Tumarkin and our firm successfully challenged the denial. His story shows why policy wording matters.
Every case is different. Past results do not guarantee future outcomes.
We Know the Insurer’s Side.
We’re On Yours.
Sivan Tumarkin previously represented insurance companies. Today, he leads our disability practice, putting that experience to work for people whose benefits have been denied or cut off.
Our team knows how insurers assess claims, where to push back and how to build the evidence. We build the evidence — putting our knowledge and experience to work to tip the balance in your favour.
A Case Built Around You
We connect your medical evidence with the demands of your work and the wording of your policy, so your claim tells the full story.
Answers You Can Understand
You should know what is happening and why. We explain your options, keep you updated nd make room for your questions.
Help Without the Travel
Phone and video appointments make it easier to get advice when you’re unwell. We explain which steps can be handled remotely.
Meet Your Toronto Disability Team
Sivan Tumarkin
National Co-Managing Partner
Former insurance defence lawyer leading our disability practice, putting insider knowledge to work for clients with denied benefits.
James K. Fireman
National Practice Leader
Helps clients challenge denied and terminated disability benefits, with clear advice at every step.
Albert Klein
Partner
Has resolved disability benefit disputes for hundreds of clients, combining strong advocacy with a calm, supportive approach.
Our Toronto team also includes Tamar Agopian and Michael Gerhard. We’ll identify who will handle your matter.
What Our Disability Clients Say
★★★★★
3,000+ Google Reviews
across our firm.
“James Fireman was incredible to work with! He was so passionate about my case, and made all the right moves. He got my insurance company to overturn their decision to deny my LTD claim. Thank you for your efforts.”
“My case was complex and Albert Klein did everything to help me get through a disability claim. I was not in a position to pay an LTD lawyer and a contingency agreement was arranged. I can’t say enough of the professionalism.”
“Finding Sivan to assist me to deal with my husband’s LTD company and the ongoing frustrating behaviour they demonstrated was beyond valuable to both me and my severely disabled husband. … Sivan treated us like real people with real problems and not just like some file.”
EXPERIENCE ON YOUR SIDE
Help With Your Disability Insurer
Find information about your insurer’s claims process, common disputes and what to consider after a denial or cutoff.
Worried About the Two-Year Cutoff?
Many LTD policies change their definition of disability after approximately 24 months—from being unable to do your own occupation to an “any occupation” test.
That change does not automatically mean your benefits should stop. We examine your policy, medical limitations and the work your insurer says you can do. Read about benefits after two years with Sun Life, Manulife or Canada Life.
YOUR CONDITION DOESN’T HAVE TO BE VISIBLE
If You Can’t Work, You Deserve To Be Heard
Pain, fatigue, anxiety or difficulty concentrating can make work impossible — even when other people can’t see what you’re experiencing. An LTD claim depends on your policy and how your symptoms affect your ability to work. We help build the evidence that explains those limitations.
Mental health
Brain injury & cognition
Pain & physical illness
Short Answers From Our Lawyers
How can a lawyer help with a disability claim?
What changes after two years on LTD?
How bad does anxiety need to be to get LTD?
Toronto office
Talk To a Disability Lawyer in Toronto.
Samfiru Tumarkin LLP
350 Bay Street
Toronto, Ontario
Our Toronto team is part of our Ontario long-term disability law practice, helping people challenge denied and terminated benefits across the province.
Phone and video appointments are available when travelling is difficult.
Common LTD Questions.
What Should I Do If My LTD Claim Is Denied or My Benefits Stop?
Keep the insurer’s letter and contact us to discuss the reasons given. We review the decision, your policy and the available evidence, then explain your options. You do not need to gather every medical record before reaching out.
What Does It Cost to Hire Your Firm?
The initial LTD consultation is free. There are no upfront legal fees and no legal fee unless we recover compensation. Before you retain us, we explain the agreement, how fees are calculated, taxes and disbursements. Read about our fees.
What Can You Help Me Recover?
Depending on your claim, we may pursue unpaid benefits, reinstatement of your payments or a negotiated settlement. A lump-sum settlement may require you to give up future benefits. We explain what an offer means before you decide.
How Much Could My LTD Claim Be Worth?
The value depends on your monthly benefit, unpaid amounts, how long coverage could continue, policy deductions and the evidence supporting your claim. Our Toronto disability lawyers assess these details and help you understand any settlement offer.
Should I Appeal Before Contacting a Lawyer?
Get advice before deciding how to respond. We can assess whether an internal appeal could help or whether another approach is appropriate. Do not assume the insurer’s appeal process pauses the deadline to start a lawsuit. Understand your LTD appeal options.
How Long Do I Have to Challenge an LTD Denial?
Ontario has a two-year basic limitation period from discovery of a claim, but when that period starts and whether exceptions apply depend on the facts. Do not assume it begins with your last benefit payment. Contact us promptly so we can assess your deadline.
Will My Case Go to Court?
A vast majority of LTD disputes resolve through negotiation. If a lawsuit is needed, settlement discussions still continue. we explain the process, prepare your case and advise you about any proposed resolution.
What If My Employer Wants Me Back or Offers Severance?
Tell us when discussing your disability claim. A return-to-work demand or severance agreement can affect your next steps. Get advice before resigning, signing a release or agreeing to a plan you can’t manage. Learn about severance while on LTD.
Can You Help If I’m Unionized?
Union membership does not automatically prevent us from helping with a disability insurance claim. Your plan and collective agreement may affect the available process. Contact us to discuss your options.
Can You Help With Short-Term Disability, CPP Disability or ODSP?
We also assess short-term disability insurance denials and CPP Disability issues, which have different rules and may interact with LTD. We do not represent clients in ODSP or WSIB matters.
Denied Doesn’t Mean Defeated.
Let’s Work to Get You the Benefits and Compensation You Deserve.
Tell us what happened. We’ll listen, answer your questions and help you understand your next step.