Long-Term Disability Lawyer Toronto: Help for Denied LTD Claims
If your long-term disability (LTD) benefits were denied, cut off, or reduced, you’re not alone — and you don’t have to deal with the insurance company on your own.
At Samfiru Tumarkin LLP, our team includes experienced long-term disability lawyers in Toronto who help individuals challenge insurance companies and protect their income when illness or injury prevents them from working.
Since 2007, we’ve helped over 60,000 Canadians resolve disability claims and secure compensation.
Our team is known for being:
- Compassionate and supportive during difficult times
- Highly experienced in disability law
- Deeply familiar with insurer tactics, including strategies used to deny valid claims
Some of our lawyers previously worked for insurance companies — giving us unique insight into how claims are assessed, challenged, and often unfairly denied.
Most disability claims in Toronto involve LTD benefits — and in many cases, legal strategy, not just medical evidence, determines the outcome.
Why Long-Term Disability Claims Are Denied
Many long-term disability claims in Ontario are not denied because you're unable to work — they’re denied because of how insurers interpret your policy.
Common denial tactics include:
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Claiming you are not “totally disabled”
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Ignoring your treating doctor’s opinion
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Using insurer-paid medical reviewers
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Misapplying the “any occupation” test
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Using daily activities as proof you can work
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Pressuring you to return to work too early
Trusted Legal Insights Featured on CP24, Global News, and CTV
Our disability lawyers are regularly featured on CP24's Ask a Lawyer and the Disability Law Show on Global and CTV, providing clear guidance on long-term disability claims, denied LTD benefits, and insurance disputes.
We’re also frequently called on by national media to explain disability law issues affecting Canadians.
Meet the Toronto Disability Lawyers Who Handle LTD Claims
Our long-term disability cases are handled by experienced Toronto disability lawyers who understand how insurers assess and deny claims.
You’ll work directly with a long-term disability lawyer who knows how to challenge the insurance company effectively.
Your Team
Real Long-Term Disability Case Results in Toronto
These are real examples of how disability claims can go wrong — and how they can be fixed.
Why Insurers Say There’s “Insufficient Medical Evidence”
Even when your doctor supports your claim, insurance companies may still deny benefits. In this video, disability lawyer Sivan Tumarkin explains why this happens — and what you can do next.
How a Disability Lawyer in Toronto Can Help
A Toronto disability lawyer does much more than submit paperwork.
We help by:
- Reviewing your insurance policy in detail
- Identifying improper denial tactics
- Building strong medical and legal evidence
- Communicating directly with insurers
- Challenging denials through negotiation or litigation
- Protecting ongoing benefits from termination
Own Occupation vs. Any Occupation Disability
Most LTD policies in Toronto use two definitions of disability.
Own Occupation (First Stage)
- You qualify if you can’t perform your own job.
- You do not need to be completely unable to work.
Any Occupation (After 24 Months)
Insurers may argue you can work in any job.
But legally, that job must be:
- Realistic
- Suitable for your experience
- Medically sustainable
- Actually available
Appeal vs. Lawsuit: What Should You Do After an LTD Denial?
After a denial, insurers often suggest an internal appeal.
But in many cases, an appeal:
- Is handled by the same insurer
- Relies on the same evidence
- Does not change the outcome
👉 Learn what to do if your LTD claim is denied in Ontario
Insurance Companies We Deal With
We regularly represent Toronto clients dealing with:
- Sun Life
- Manulife
- Canada Life
- Desjardins
- RBC Insurance
- Blue Cross
Each insurance company in Ontario uses different strategies — knowing how they operate matters.
Types of Long-Term Disability Cases We Handle
We assist with:
- LTD claims denied at the start
- Benefits cut off after 2 years
- Mental health disability claims
- Chronic pain and invisible illness claims
- Surveillance and return-to-work disputes
- Employer-related disability terminations
Other Disability Benefits We Help With
While long-term disability claims are the most common, we also assist with:
Short-Term Disability (STD)
- Our short-term disability lawyers in Toronto handle denials, early cut-offs, and transition issues to LTD
CPP Disability
- Our CPP Disability lawyers handle applications, denials and appeals
These benefits often overlap — strategy matters.
Why Toronto Clients Choose Samfiru Tumarkin LLP
Our team handles every part of your case so you can focus on your health.
60,000+ Canadians Helped Since 2007
We’ve successfully resolved disability claims for thousands of Canadians.
Millions Recovered
We’ve recovered millions in disability compensation for Canadians.
Insurance Company Insight
Our lawyers understand how insurers assess and deny claims.
Canada’s Most Reviewed Law Firm
With over 3,000 five-star Google reviews, more Canadians trust us than any other law firm in the country.
No Upfront Fees
You pay nothing unless we win.
National Reputation, Local Focus
Trusted across Canada, with dedicated support for Toronto clients.
Speak With a Disability Lawyer in Toronto
If your disability benefits were denied, delayed, or cut off, getting legal advice early can make a major difference.
A consultation with a long-term disability lawyer in Toronto at Samfiru Tumarkin LLP can help you understand:
- Whether the insurer’s decision is reasonable
- What evidence strengthens your claim
- What steps protect your benefits
No upfront fees. Clear answers. Proven results.