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.

FAQs

  • LTD insurance is a benefit that provides income support if a medical condition prevents you from working. Each policy is different, so coverage, definitions, and timelines depend on the specific terms of your plan.

  • LTD eligibility is not based on a specific diagnosis but rather on whether your medical condition prevents you from performing the essential duties of your job (or, later, any job depending on your policy). Conditions may be physical, psychological, or a combination of both. A detailed medical assessment is usually required.

  • Most policies allow internal appeals, but they are not always effective. Your options may include an internal appeal or starting a legal claim. Which route is best depends on your circumstances, the evidence, and the insurer’s reasoning for the denial.

  • LTD claims involve complex policy language, changing disability definitions, medical evidence, and strict timelines. A lawyer can help interpret the policy, gather the right documentation, and challenge improper denials or terminations. Whether to retain counsel is ultimately your choice.