416-460-6823Serving All Of Ontario
Years Experience
Millions of Dollars
Recovered
Over97%Success Rate
No Fee Guarantee
Lexpert Ranked
Lawyer
Over 100 Five Star Google
Reviews
Michael Jordan is a long term disability lawyer with more than 20+ Years Experience resolving denied LTD claims. Michael recovers millions of dollars for his clients every year, with a success rate of over 97%.
Michael provides no cost long term disability advice and free LTD case evaluations. There are no fees unless you win your claim.
If you have been denied long term disability insurance benefits, or have a general question related to your LTD claim, contact Michael now for fast free legal advice. All calls and form submissions go directly to Michael, and response time is usually immediate.
Don’t Let The Insurance Company Get Away With An Unfair Denial!
Michael Jordan is an Ontario long term disability lawyer with more than twenty years of experience representing individuals in complex long term disability insurance disputes. His practice is focused on claims involving benefit denials, terminations at the two-year “any occupation” change, and cases requiring litigation against major Canadian insurers.
A sudden denial or termination of disability benefits can create immediate financial strain and uncertainty. Many clients come to us at a time when they are already managing serious health concerns while worrying about how they will pay their mortgage or support their family. Michael acts exclusively for claimants and has recovered significant compensation for clients whose benefits were wrongfully denied or terminated.
Michael handles matters personally and provides candid, practical advice regarding the strengths, risks, and likely timelines of each case.
Consultations are confidential and provided at no cost. There are no legal fees unless compensation is recovered. All inquiries are reviewed personally by Michael. He answers client calls directly and responds personally to all written submissions.
Michael Jordan is a long standing member of the Law Society of Ontario and has devoted his practice to representing individuals in long term disability disputes against Canadian disability insurers including Sun Life, Manulife, RBC, and others. He has been recognized by Lexpert as a leading practitioner in disability law and contributes to the profession through his membership and speaking engagements with the Ontario Trial Lawyers Association, where he presents on long term disability litigation and insurer denial strategies. Michael was also recently named by BlogTO as one of Toronto’s top five long term disability lawyers. These recognitions reflect his experience, professional standing, and a focused commitment to long term disability advocacy.
QUADRIPLEGIA
Our client sustained serious injuries in a motor vehicle accident. She advanced claims against her insurance company for income replacement benefits, medical expenses, and cost of care. The claim settled for close to $2 Million dollars.
BIPOLAR DISORDER
Our client was a successful business person. When his long term disability claim was denied, he retained Michael Jordan to take legal action against the LTD insurer. Expert medical evidence that was instrumental in resolving the case.
DEPRESSION
Our client was unable to work due to debilitating depression and anxiety. The disability insurer denied the claim, but when faced with litigation, a settlement was achieved allowing the client to focus on his recovery.
CANCER
Our client was diagnosed with life threatening cancer, which resulted in a severe psychiatric response. The claim was denied based on an exclusion in the policy. The exclusion, however, was poorly drafted and the case quickly settled.
LONG COVID
Brain fog, fatigue, and inability to focus and concentrate were the main symptoms. The LTD insurer denied the claim due to lack of "objective medical evidence", even though there was no requirement in the policy to provide objective evidence, and the nature of the impairments were inherently subjective. The case settled after litigation was commenced.
PSYCHOSIS
The claim was denied because our client was not participating in appropriate treatment, but his mistaken belief that he did not need treatment was a symptom of his disability. An expert psychiatrist was retained to provide opinion evidence that the failure to participate in treatment was a symptom of the underlying illness. The case quickly settled.
CANCER
Our client had surgery to remove the tumour, but was left with severe chronic pain and anxiety. An opinion from an expert oncologist supported disability and a fair settlement soon followed.
VERTIGO AND NAUSEA
The long term disability insurer did not believe our client’s self reported symptoms. During the litigation, extensive medical records and reports were obtained that supported disability.
CHRONIC FATIGUE
The claim was denied because there was no medical explanation for the sudden onset of chronic fatigue syndrome. Two expert reports were secured, and the case settled at mediation.
ANXIETY
Our client suffered from severe anxiety that made work impossible. Despite this, her LTD claim was denied. It settled shortly after a lawsuit was commenced.
CHRONIC PAIN
Our client was involved in a motor vehicle accident many years ago. He continued to suffer chronic pain, but the LTD insurer denied his claim. Expert opinion evidence helped secure the settlement.
MIGRAINE HEADACHES
The insurance company denied the claim after the two year “own occupation” test of disability changed to “any occupation”. Evidence was secured that the client could not work in any job, and the case resolved.
Call For Fast Free Advice: 416-460-6823
All Form Submissions Go Directly To Michael
Response Time Is Usually Immediate: Speak With Michael Now!
Long term disability insurance companies deny or terminate claims every day. Sometimes the denial is based on incomplete medical information. Sometimes it reflects a narrow interpretation of the policy.
In many cases, the issue is not whether you are ill or injured, but how the insurer evaluates your ability to work. For individuals dealing with chronic pain, depression, anxiety, or other conditions that are not always visible, a denial can feel especially discouraging. It is common to feel frustrated or even disbelieved during the claims process.
When you retain an experienced long term disability lawyer, the way your claim is handled changes. The file is removed from the ordinary claims process and into the insurer’s litigation stream. The focus shifts from internal review to legal risk and settlement. That change alone often leads to more serious discussions about resolving the claim on fair terms.
Most long term disability cases resolve without going to trial. However, insurers approach a claim differently when they know it is being prepared for court. A skilled long term disability lawyer ensures that the medical evidence, vocational issues, and policy language are presented clearly and strategically. Proper preparation can significantly affect the outcome of a denied LTD claim.
Long term disability settlements usually consist of a single lump-sum payout for both past benefits owing and future disability benefits. How far into the future will depend on many factors, including your age, the benefit amount, and how strong the medical evidence is.
Once your long term disability claim is resolved, you no longer have to deal with the LTD insurer. The settlement funds should provide you with enough money to help restore your finances and provide you with a buffer so you can focus on your recovery, free from interference from the insurer.
Michael has more than twenty years of experience litigating complex long term disability insurance claims. He has recovered substantial compensation for clients whose benefits were wrongfully denied or terminated, and he regularly acts in matters against major Canadian insurers. His practice is devoted exclusively to disability and related insurance disputes.
He has been consistently recognized by Lexpert as a leading practitioner in long term disability law and has more than 100 five-star Google reviews from former clients. Michael handles each case personally from start to finish. You will not be passed to an associate. When you call or submit a form, you communicate directly with Michael, not an intake clerk.
There are no legal fees unless compensation is recovered. If your long term disability benefits have been denied, you are entitled to understand your legal options before deciding how to proceed.
Teachers in Ontario are entitled to long disability benefits through the Ontario Teachers Insurance Plan (OTIP). This policy differs from other LTD plans in several important ways. If you are a teacher who has been denied long term disability benefits, learn more about your rights here: Teachers, OTIP, and Long Term Disability
Brain injuries and concussions present unique challenges when claiming long term disability benefits. Although there is general medical consensus regarding the diagnosis of brain injuries and concussions, long term disability claims are often denied when the insurer does not accept prolonged disability after the acute phase. Learn more about post-concussion syndrome and long term disability here
Many long term disability claims for workplace stress and burnout are denied. LTD insurers often take the position that workplace stress is not a disabling condition, and if you could perform a similar job for a different employer, you are not disabled. Learn more about why burnout and workplace stress claims are denied
Considering appealing a long term disability denial? You should consult an LTD lawyer first, but if you want to appeal on your own, you may find this blog post helpful: How To Write A Long Term Disability Appeal Letter: Top 10 Tips
You have already made the right decision to search for a Long Term Disability lawyer. Your next step should be to contact a lawyer who can advise how you should proceed, or answer any questions you may have. Long Term Disability claims are complex, and require the expertise of a skilled litigator with extensive LTD experience. Be sure to at least consult with a lawyer before taking any steps on your own. There is no fee and no obligation.
Long Term Disability policies have different definitions of what it means to be disabled. The test for the first two years is usually whether you can perform your "own occupation", meaning the essential tasks of your job before you became disabled. Beyond two years, this usually changes to the more difficult "any occupation" test, meaning you must be disabled from any occupation for which you are reasonably suited having regard to your education, training, and experience to continue to receive benefits.
These definitions are NOT as difficult to meet as they sound. Insurers often unfairly apply the these terms to justify denial. A Long Term Disability lawyer will find weaknesses in the insurer's position, obtain additional records, and retain experts to prove you meet both the own occupation and any occupation tests of disability.
The timelines to appeal and commence a lawsuit are different. Even if you have missed the deadline to appeal, you still may be in time to start a lawsuit. There are strict deadlines that apply, however, so you should seek legal advice as soon as possible from a Long Term Disability lawyer.
Sometimes it makes sense to appeal, such as when new medical information is available that was not part of your initial application. But more often than not, appeals fail. Keep in mind your appeal is to the same company that denied your claim. An appeal usually only results in delay, frustration, and a depletion of your savings. In most cases, it is better to commence a lawsuit without appealing. Lawsuit success rates are much higher than appeals.
Not all LTD benefits are taxable. If you do have a taxable plan, and a lawsuit results in a settlement, generally only payment of past disability benefits are taxed. If the settlement includes payment of benefits into the future, as most settlements do, that portion is not taxable.
Employers should not terminate your employment so long as you are disabled unless it can prove "undue hardship" or "frustration of contract". If you are terminated, your LTD benefits will continue so long as you remain disabled. You are also entitled to fair severance pay, often much more than the minimums outlined in the Employment Standards Act or offered by your employer.
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416-460-6823
Michael Jordan
Jordan Honickman Barristers
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