LTD Denials

Long-Term Disability Lawyers in Ontario

If you can’t work because of illness or injury — and your insurance company won’t support you — we’re here to fight back.

When your health prevents you from working, long-term disability (LTD) benefits are supposed to protect you. You’ve paid your premiums. You’ve followed the rules. You’ve done everything right. But far too often, insurance companies deny, delay, or cut off benefits that people desperately need.

At Asaad Law, we understand what you’re going through.
You’re already struggling with pain, fatigue, mental health challenges, or serious medical conditions and now you’re being forced into a battle with an insurance company that has endless resources.

You don’t have to fight this alone.
We step in, take over the communication, gather the medical evidence, and push back against unfair denials so you can focus on your health.

Understanding How LTD Benefits Work

Every LTD policy has two stages — and each has its own definition of disability. This is important because many insurers cut people off when the definition changes.

1. The First 24 Months — “Own Occupation”

During the first two years, you qualify for LTD benefits if you cannot perform the essential duties of your own job.
This means your focus is simply on whether you can continue doing the work you did before you became disabled.

2. After 24 Months — “Any Occupation”

After two years, the test becomes stricter.
To keep receiving benefits, you must be unable to work in any job that you are reasonably suited for, based on your education, training, and experience.

Why LTD Claims Get Denied or Cut Off

Insurance companies often deny claims for reasons such as:

  • Not enough medical evidence

  • Surveillance

  • Missed forms or deadlines

A denial isn’t the end — it’s often where your case truly begins.

Denied or Cut Off LTD Benefits? We’re Here to Help

If your LTD benefits were denied, delayed, or terminated, we can help.

Contact Asaad Law today for a free consultation. No fees unless we win.

  • Insurance companies often deny claims for reasons like:

    • “Insufficient medical evidence”

    • “You don’t meet the definition of disability”

    • “Your condition is not severe enough”

    • “You can return to work in some capacity”

    Even if your claim is denied, that doesn’t mean you’re not disabled — it means your insurer is challenging it. We can help challenge their decision and fight for your benefits.

  • Most LTD policies have two stages:

    1. For the first 2 years: You must show you can’t perform your own occupation

    2. After 2 years: You must show you can’t perform any occupation you’re reasonably suited for

    You don’t have to be completely bedridden. If your condition — physical, psychological, or both — prevents you from working regularly and reliably, you may qualify.

  • You can — but internal appeals are often unsuccessful and just delay your case. Insurers review their own decisions, and many people go through multiple appeals only to be denied again. We typically recommend starting a legal claim instead — it puts real pressure on the insurer and often leads to a fair settlement.

  • You generally have 2 years from the date of the denial or termination to start a legal claim. But don’t wait — insurers often try to run out the clock. The sooner we get started, the better chance we have to build a strong case.

  • Most LTD cases settle out of court through negotiation or mediation. We prepare every case thoroughly in case a trial is needed, but our goal is always to resolve your case efficiently and fairly.

  • We work on a contingency fee basis, meaning you don’t pay us anything unless we recover money for you. There are no upfront costs, and we offer free consultations so you can understand your options without pressure.