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Reasons claims are rejected
Why Disability Benefits Get Denied
Missing or incomplete medical evidence
Pre-existing condition arguments
Unfair denials and delays
Surveillance or claim reviews
What Qualifies For Long-Term Disability Benefits
Whether you qualify for disability benefits depends on two main things: your medical evidence and the details of your disability insurance policy. To qualify for benefits, you generally need to meet several core requirements:
You have valid coverage
You’re covered under a group benefits plan through your employer or hold an individual policy that includes long-term disability protection. If the insurer claims you have no active coverage at the time you became disabled, we may be able to challenge that position.
You’re unable to work due to a medical condition
Your condition—whether physical, psychological, or a combination of both—must prevent you from carrying out the essential duties of your job. In many cases, after a set period, the definition shifts and you must be unable to work in any occupation reasonably suited to your background, education, or experience.
You’ve satisfied the waiting period
LTD benefits don’t start immediately. Most policies impose an elimination period, often lasting several weeks or months. During that time, you may be expected to rely on short-term disability benefits or other income support.
You’re receiving appropriate medical care
Insurers expect consistent, ongoing treatment. That means regular follow-ups with your healthcare provider, adherence to recommended treatment plans, and medical documentation that clearly supports your functional limitations.

If your claim has been denied, delayed, or cut off, having a lawyer step in early can change the outcome. An experienced Ontario disability lawyer can step in to challenge the decision, protect your rights, and work to secure the LTD benefits you’re owed.

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We Help Overturn Denied Disability Claims

At Burn Tucker Lachaîne, our denied disability claim lawyers help clients throughout Ottawa and the surrounding communities navigate the process and fight back when most insurance companies refuse to pay fairly.
Hundreds of
Successfully Resolved Claims
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We support clients with a wide range of disability-related legal services, including:
  • Long-Term Disability Claims including Private Disability Income Policies;
  • Disability Claims Denied or Delayed by Insurance Companies;
  • Premature Termination of Benefits;
  • Negotiating Lump Sum Settlements;
  • Employer Group Disability Benefit Disputes.
Our Disability Lawyers Have Sued and Succeeded Against These Insurers
How The Disability Claim Process Works
We make your disability claim process as smooth as possible with a step-by-step approach:
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Consultation Now
Let our experienced lawyers help when you need it.
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01
Free Consultation & Case Assessment
We start with a no-cost, no-obligation review of your situation to understand your claim and advise on the best path forward.
02
Collecting Medical & Employment Records
Our legal team helps gather medical evidence, employment history, and supporting documents to build a strong case.
03
Legal Representation & Claim Preparation
We handle every detail of your claim or appeal, ensuring all paperwork is accurate and submitted on time — taking the burden off your shoulders.
04
Negotiations & Trial
If insurers push back or deny your claim, we advocate fiercely for you during negotiations or in court, protecting your rights.
05
You Get Paid
Our ultimate goal is to secure the financial support you deserve so you can focus on your recovery without added worries.
Why Clients Choose Our Disability Lawyers
With a strong track record of success, our team is committed to providing personalized legal support throughout the entire process. When you hire us, you can rest assured we're here to defend you.

Proven Track Record of Success

Our experienced lawyers have a history of securing the compensation our clients deserve.

Fighting for Your Benefits

We are committed to securing the disability benefits you are rightfully entitled to.

Client-Focused, Compassionate Service

You aren't just another file for us. We treat each client with respect, care, and personalized attention.

Contingency Fee Basis

You don't pay us anything unless we win your case or achieve success in a settlement.
Start With A FREE Consultation
Call us today at +1 (613) 917-1128
Common Disabilities We Handle
Our team is committed to fighting for your rights and ensuring you receive the support you need to focus on your recovery.
Post-Cancer Treatment Fatigue
Post-Cancer Treatment Neuralgia
Multiple Sclerosis (Remission or No)
Depression
Anxiety
Long COVID
Post COVID Symptoms / Conditions
Neurological Conditions
Immunological Conditions
Chronic Fatigue
Chronic Pain
Post Traumatic Stress Disorder
Bipolar Disorder
Borderline Personality Disorder
Somatoform Disorder
Adjustment Disorder
Concussion
Traumatic Brain Injury
Post-Concussive Syndrome
Cognitive Decline/ Dementia
What Makes Us Different
Choosing us could be the key to a stronger outcome in your disability claim.
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With Burn Tucker Lachaîne
Strategic Disability Representation

Our disability lawyers understand how insurers assess and deny claims. We build strong cases backed by medical evidence and strategic legal representation.

Thorough case investigation with expert witnesses
98% success rate with proven results
No fees unless we win or settle your case
Responsive legal team with ready access to your lawyer when you want it
Without Burn Tucker Lachaîne
Uncertain Claims Process

Poorly prepared claims may weaken during appeals or litigation, reducing pressure on insurers to settle fairly.

Surface-level case prep, with no expert witnesses to back your claim
Increased risk of delays, denials, and undervalued settlements
Upfront costs and financial uncertainty, whether you win or lose
A hard-to-reach firm that leaves you waiting for answers when it matters most
If you are looking for someone who will be honest, realistic and caring, you have come to the right place. Ms. Lachaîne is the lawyer you are looking for. I only have good things to say about my experience with her and her staff. Honesty is something very important to me. I want the truth, and she did not disappoint me. I knew what to expect, and the decisions I took were based on the information she provided. Her guidance and knowledge of the law were right on point. Thank you!
5 stars Lorraine T.
Our case was more challenging than most cases (so I was told) but with Alison's in-depth understanding of the issues along with her extensive experience she seemed to easily navigate the issues and gave us a real feeling of confidence. Alison showed us so much patience and compassion throughout the entire process which went a long way to reducing our stress. With Alison's help we were able to get a very favourable resolution.
5 stars P. M.
I've had the privilege of knowing Alison Gilmour both personally and professionally, and I can confidently say she is one of the most dedicated and compassionate lawyers I've ever met. With extensive experience in long-term disability law, she brings deep knowledge, fierce advocacy, and a level of care that truly sets her apart.
5 stars Rupa K.
What Our Clients Say About Us

For over a decade, we’ve assisted clients with long-term disability claims, including group insurance policies, private and professional disability coverage, loan insurance, OTIP, HOODIP, CAF/SISIP claims, and more. Our lawyers have successfully resolved hundreds of cases, and client reviews reflect our commitment to achieving fair outcomes.

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Google
Review Rating 5.0 5.0
Meet Our Team
With our legal team on your side, you have the power to challenge unfair decisions.
Colleen Burn
Partner
Laurie Tucker
Partner
Éliane Lachaîne
Partner
Alison Gilmour
Senior Associate
Krista Potter
Associate
Priya Shah
Associate
Susan Lepine
Law Clerk
Lori Mitchell
Law Clerk
Debi Dryden
Law Clerk
Nicole McMullen
Law Clerk
Chrystal Courchesne
Law Clerk
Katherina Schneider
Law Clerk
Téa Nurse
Law Clerk
Phyllis Bergmans
Paralegal
Rana Sahly
Law Clerk
Lina Berrichi
Paralegal
Book a Free Consultation with Our Long-Term Disability Lawyers
If you live in Ontario and your disability claim is denied or cut off, you don’t have to accept it. Here at Burn Tucker Lachaîne, we help clients across the province challenge denied and terminated disability benefits. Contact a disability lawyer today and get a free consultation.
You may have only a limited time to appeal your denial. Act now. Talk to a lawyer today at no cost to get started.
Start With A FREE Consultation
Call us today at +1 (613) 917-1128
Call us today at 613-917-1128 Free Consult
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