Disability Lawyers in Toronto - Experts in Long-Term Disability Claims

If your long-term disability claim is denied, the first step is to review the denial letter to understand the insurer’s reasoning. Gather any missing or updated medical evidence that supports your inability to work. Before appealing on your own, consult with Samfiru Tumarkin LLP. Our experienced team can determine the best approach, whether it’s filing an appeal or pursuing legal action to recover your benefits.

Yes, you can appeal a denied long-term disability claim, but success rates are often low. Insurance companies typically uphold their initial decision unless compelling new information is provided, or expert legal action occurs. Before filing an appeal, it’s crucial to consult with Samfiru Tumarkin LLP, as our team can determine the best course of action to help you secure the benefits you’re entitled to—whether through an appeal or a legal claim.

The time it takes to resolve a long-term disability claim can vary. Some claims can be dealt with relatively quickly, while many matters are settled within a few months. At Samfiru Tumarkin LLP, we aim to resolve claims efficiently, often without going to court. However, every case is unique, and timelines depend on factors such as the complexity of the claim.

While it’s possible to handle a long-term disability claim on your own, having a lawyer greatly improves your chances of success, especially if your claim is denied. Insurance companies use complex processes and legal tactics to avoid paying benefits that you are legally entitled to. At Samfiru Tumarkin LLP, our experienced team can handle the claim process, negotiate with insurers, and help secure the benefits you’re entitled to.

At Samfiru Tumarkin LLP, we operate on a no-win, no-fee basis for long-term disability claims. This means you won’t pay any upfront legal fees, and you only pay if we successfully secure your benefits. This arrangement allows you to pursue your claim without the financial burden of hourly legal costs. Every case is different, so we offer a free consultation to discuss your specific situation and explain our fee structure in more detail.

Yes, most long-term disability claims in Toronto are settled without going to court. At Samfiru Tumarkin LLP, we resolve many claims through negotiation with the insurance company or through a settlement process. Our goal is to secure your benefits as quickly and efficiently as possible. While court is an option, it’s often unnecessary. Every case is different, and we’ll assess the best strategy for your specific situation.

A wide range of medical conditions can qualify for long-term disability benefits in Toronto, including physical and mental health issues. Common conditions include:

• Chronic pain
• Fibromyalgia
• Mental health disorders (e.g., depression, anxiety)
• Cancer
• Arthritis
• Multiple sclerosis
• Heart disease
• Diabetes complications

Each case is assessed individually, based on how your condition affects your ability to work. Review our resource on long-term disability qualifying conditions for further details.

No, you can’t be forced to return to work while receiving long-term disability benefits if your doctor deems you medically unable to work. However, insurance companies may pressure you to return to work or undergo independent medical evaluations. At Samfiru Tumarkin LLP, we ensure that your rights are protected, and we’ll advise you if your insurer is unfairly pressuring you to return before you’re ready.

A Toronto long-term disability lawyer provides crucial support at every stage of your claim. At Samfiru Tumarkin LLP, we handle all communication with the insurance company, gather and present the necessary medical evidence, and ensure your rights are fully protected. If your claim is denied or benefits are cut off, we explore all legal options, including negotiations or filing a claim, to secure the compensation you’re owed. Having an experienced lawyer by your side greatly improves your chances of success.

To prove your long-term disability claim, you’ll need thorough medical documentation that shows you’re unable to work. This includes:

• Doctor’s notes detailing your diagnosis, treatment plan, and inability to perform job duties
• Specialist reports if applicable (e.g., from neurologists, psychologists, etc.)
• Medical test results (e.g., MRIs, X-rays) that support your condition
• Treatment history showing your ongoing efforts to recover or manage your condition

At Samfiru Tumarkin LLP, we help gather and present the necessary evidence to ensure your claim is as strong as possible.

If you miss the deadline to appeal your long-term disability denial, you may lose the opportunity to challenge the insurer’s decision through their internal appeals process. However, you still have a more powerful legal option: filing a claim to pursue your benefits. At Samfiru Tumarkin LLP, we can review your situation and advise on the best course of action.

LTD benefits are typically calculated as a percentage of your pre-disability income. Most policies offer between 60% to 70% of your regular earnings. The exact amount can depend on your insurance policy’s terms and whether benefits are taxable. Other factors, such as whether you’re receiving additional benefits like CPP Disability, may also impact your LTD payments.