Long-Term Disability Lawyer

Disability benefits are often wrongfully denied or terminated. When your long-term benefits are in question, we’ll help you take a strategic next step focused on your specific settlement or litigation needs in Ontario.

A denial of disability benefits by your long term disability carrier is not final. Before you accept or appeal your insurer’s denial of benefits, it’s best to fully understand your unique situation and the rights and entitlements your disability policy gives you. We can help you navigate the legal process in Ontario.

“Is an insurer’s internal appeal process or court action best?”

We’ve found that appealing a denial of benefits through an insurer’s internal appeal process is not always the best course of action. Using an insurer’s internal appeal process can sometimes delay getting you the benefits you deserve. Sometimes commencing a court action is warranted. We will customize our support and help you lay out a straightforward strategy that makes sense for your case. With offices in both Hamilton and St. Catherines, Ontario, Cook Reynolds LLP provides legal services to a wide surrounding area.

“My insurer says there’s not ‘objective evidence’ of my impairment. What can I do?”

Often long-term disability insurers make a denial without having complete medical information. We can help you if your insurer has denied your benefits based on there not being “objective evidence” of your impairments or if they have denied your benefits on the basis that you have not demonstrated specific restrictions and limitations that prevent you from doing your job. 

Some impairments do not lend themselves to presenting an insurer with “objective evidence” such as those caused by chronic pain, depression, or anxiety, but that does not mean that the impairments are not real or that you are not entitled to benefits under the policy. We can help you with these types of cases and present the evidence needed to demonstrate your entitlement.

Has your long-term disability been cut off?

You’re entitled to retain the representation of your choosing. Cook Reynolds LLP can help you through the long term disability claims process and answer specific queries about your entitlement under the policy. Questions may include:

Should you appeal the initial decision denying your long term disability benefits?

Does the long term disability test change at the two year mark?

What is the difference between the “own occupation” and “any occupation” test?

Should I apply for Canada Pension Plan Disability Benefits (CPPD)?

Schedule your Free Consultation:

Send us an email via our contact page, or call 905.526.8072 to speak with an experienced long-term disability lawyer from Cook Reynolds - with offices in Hamilton and St. Catherines, Ontario.

We’re here to help.

Long Term Disability Lawyers in Southern Ontario - Serving Hamilton, Burlington, Brampton, Welland, St. Catherines, the Golden Horseshoe and Niagara Falls areas.