FAQ

  • My Long Term Disability claim has been denied, what should I do?

    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. 

  • How disabled do I have to be to qualify for Long Term Disability benefits?

    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. 

  • I cannot work due to my mental health. Am I eligible for Long Term Disability benefits?

    Yes. Disability can be physical, psychological, cognitive, or a combination. Unfortunately, claims are often denied for conditions such as depression and anxiety.  These denials, however, are frequently weak and easily challenged by a Long Term Disability lawyer. 

  • How long do I have to dispute the LTD insurer’s denial?

    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. 

  • Should I appeal or start a lawsuit when Long Term Disability benefits have been denied?

    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. 

  • Do I have to go to court if bring a lawsuit against my LTD insurer?

    No.  More than 95% of Long Term Disability claims settle without having to go to court. In fact, LTD claims have a higher settlement rate, and settle much faster, than most other types of litigation.

  • My benefits are taxable, do I have to pay tax if my LTD insurer settles my case?

    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.

  • I am a member of a union. Can I still bring a lawsuit?

    In some circumstances unionized employees are prohibited from commencing a lawsuit, and must instead proceed in accordance with the collective bargaining agreement. There are some exceptions. This is a complicated and evolving area of Long Term Disability law that requires legal advice. Michael is regularly consulted on this issue, and would be pleased to answer your questions without fee or obligation.

  • Can I be terminated from my employment while receiving disability benefits?

    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. 

  • How Long Will My Case Take?

    Long Term Disability claims tend to move much faster than other types of litigation.  Often settlements occur within a few months, but it can take a year or longer.

My question is not listed here:

Virtually every situation is unique. For answers to your specific questions, please do not hesitate to contact us for a fast no fee and no obligation consultation:

Michael Jordan
Matthews Abogado LLP

Direct Cell: 416-460-6823
Email: mjordan@matthewsabogado.com

  • Toronto Office
    401 Bay Street
    Suite 2600
    Toronto, ON M5H 2Y4

  • London Office
    380 Wellington Street
    Tower B, 6th Floor
    London, ON N6A 5B5
  • Ottawa Office
    61 Renfrew Avenue West
    Ottawa, ONK7V 2Y2


Contact Michael Today

Don’t let the insurance company get away with an unfair denial of your claim. Call now to speak directly with Michael, or complete our confidential form for a quick response, usually within 15 minutes. Michael will guide you through the claims and appeals process, and answer any LTD questions you may have, free of charge.

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