Understanding the Long Term Disability Claims Process in Ontario
The claims process for long term disability in Canada is often more complex than people expect. Insurers frequently demand detailed medical records, employer statements, and physician assessments—and even then, benefits can be denied.
You may be eligible for term disability benefits through your employer’s group insurance plan or an individual policy. These begin after short term disability benefits run out or after an elimination or qualifying period. However, getting approved for long term disability benefits can take months—and every delay can leave you feeling helpless.
We guide you through every stage, including:
- Understanding your policy’s coverage
- Filling out your application accurately
- Working with your doctor to obtain the right medical treatment documentation
- Communicating with the insurance company on your behalf
- Preparing for a possible appeal or personal injury claim
Our goal is to lift the burden off your shoulders so you can focus on your health and healing.
How a Car Accident Can Affect Your Long Term Disability Benefits
A car accident can leave you with not only physical injuries, but a future that’s suddenly uncertain. If your accident has resulted in a chronic medical condition, such as traumatic brain injury, spinal damage, or PTSD, you may be eligible for long term disability benefits in addition to auto insurance or personal injury compensation.
Too often, claimants aren’t aware that their injury may entitle them to more than one source of benefits. Our lawyers work to coordinate all aspects of your personal injury case, making sure no opportunity for support is overlooked.
If your disability stems from a serious accident, we ensure that every angle is covered—from initial medical treatment to long-term care needs. Sometimes, a car crash triggers a hidden condition that only becomes disabling months later, such as chronic pain or post-concussion syndrome. We make sure your decline is properly documented and presented to the insurance company so your disability claim is not dismissed or misunderstood.
As experienced personal injury lawyers and disability lawyers, we understand the intersection between tort claims and insurance benefits. If you are dealing with multiple insurers or trying to coordinate coverage between accident benefits and long term disability, we will step in, communicate on your behalf, and guide the entire process to reduce confusion and stress.
How to Qualify for Long Term Disability Benefits in Pickering
To qualify for long term disability benefits, you typically need to demonstrate that your illness or injury makes it impossible to perform your current job—or in some policies, any job—on a regular basis.
You will need:
- A clear medical file documenting your diagnosis
- Documentation that your condition prevents regular work duties
- Reports showing the severity and duration of your condition
- Proof that you are following prescribed medical treatment
In many cases, the issue isn’t whether the disability is real—it’s whether it meets the technical definition of “total disability” in your policy. Unfortunately, these definitions vary between plans, and they often contain vague or strict wording. You can review how disability insurance typically works in Canada here.
That’s why our Pickering disability lawyer team analyzes your specific policy language and compares it against your medical records and personal circumstances.
Insurers may argue that your limitations are not “severe enough,” or that you can perform “alternative work” even if your condition makes that completely unreasonable. In such cases, your disability lawyer in Pickering can challenge these interpretations using expert reports and a thorough understanding of your work history and the demands of your occupation.
Common Reasons for Long Term Disability Claim Denials
Insurance companies deny claims for many reasons—some valid, some questionable. Understanding the most common reasons can help you better prepare your application and respond if your claim is rejected.
Here are a few reasons claims are often denied:
- The insurer believes you can still work
- Insufficient evidence in your health records
- Missed deadlines or incomplete paperwork
- Disagreements over the severity of your condition
- Alleged unfair reasons, such as surveillance or biased medical reviews
In some cases, insurers may be more skeptical of certain conditions—like chronic pain or mental health issues—based on subjective reports. This can lead to additional documentation requirements or differing interpretations of your condition.
Others may focus on minor inconsistencies in your paperwork or medical reports. This can be extremely emotional and frustrating, especially when you’ve done everything you were supposed to do.
You shouldn’t be penalized for having a complex or misunderstood medical condition. Our law firm works closely with you to ensure that your full condition and limitations are clearly communicated to the insurer, substantiated by comprehensive documentation and expert insight.
The Role of an LTD Lawyer in Disability Appeals
The appeal process can be procedurally detailed and may feel overwhelming without experienced guidance, especially when you’re managing your health at the same time—especially when you’re dealing with confusing forms, legal jargon, and ongoing health concerns.
That’s where a disability lawyer in Pickering steps in.
We help you:
- Gather strong evidence
- Get supportive reports from specialists
- Meet all legal and policy deadlines
- Challenge biased insurer assessments
- Represent you if your case if it goes to court
When we take on an appeal, we don’t just submit a letter—we build a case. We consult with your healthcare providers, gather expert opinions, and ensure your medical file includes everything necessary to prove the legitimacy and severity of your condition.
In some instances, we uncover procedural issues that were overlooked, such as the insurance company’s failure to provide proper explanations or miscommunication between your company and the insurer. We ensure that all those pieces are addressed clearly and we have a proven track record of helping clients resolve disputes and reach positive outcomes.
Let’s Discuss Your Disability Claim — Free Initial Consultation Available
We offer a free initial consultation because we believe you should have access to legal insight without pressure. During this conversation, we’ll review your situation, explain your rights, and outline your next steps—at no cost to you.
Whether you’re applying, appealing, or unsure where to turn after a denial of benefits, this is your chance to get honest advice from experienced disability lawyers. We take the time to listen, offer personalized attention, and develop a plan that reflects your needs and values.
If you feel lost, isolated, or overwhelmed, this is when things can start to feel manageable again. Let us provide the support and clarity you need.
How to Appeal an LTD Insurance Denial
If your long term disability was denied, the next step is often an appeal. But you only get one chance to make a strong case.
Here’s what you can expect from us during the appeal procedure:
- Review the denial letter carefully
- Collect new or missing medical evidence
- Secure opinions from specialists
- Build a case with the support of your legal team
- Submit the appeal by the insurer’s deadline
In some cases, appeals don’t work, and a lawsuit becomes necessary. We help you decide when to escalate and how to protect your rights throughout.
Having a knowledgeable lawyer serving Pickering can mean the difference between frustration and success. We keep you informed, empowered, and protected—every step of the way.
How Our Long Term Disability Lawyers Serving Pickering Can Help
Choosing the right long term disability lawyer in Pickering can be the key to securing the support you need. We combine compassionate care with fierce advocacy to protect our clients from being ignored or dismissed by large insurers.
When you work a Pickering disability lawyer, you get:
- Personalized legal strategy
- Full review of your policy and medical documentation
- Direct communication with your insurance company
- Clear answers about your rights and options
- An advocate who fights for fair settlements
Our goal is to eliminate the confusion, reduce the emotional toll, and pursue the compensation you’re permitted to receive. Every person we represent is treated with dignity, respect, and dedication—because that’s how it should be.
Whether your disability stems from a car accident, a degenerative disease, or another illness, we’re here to help you present a strong case, secure your rightful benefits, and work constructively through the claims process with the insurer.
We don’t treat your case like a file—we treat you like a person with a legitimate claim. Our team is committed to helping you feel heard, supported, and informed every step of the way.
Why Legal Expertise Matters When Navigating LTD Claims
Navigating a long term disability claim without experienced legal guidance can feel like being dropped into a maze without a map. Every insurer has its own internal policies, language, and assessment criteria—and missing a single step can result in a denied claim or delayed benefits. That’s why it is essential to partner with an experience disability legal team who bring genuine legal expertise to your case.
At Burn Tucker Lachaîne, we’ve spent years advocating for clients across Ontario and throughout Canada, helping them assert their rights, access the benefits they’re entitled to, and hold insurance companies accountable. Whether you’re dealing with a sudden illness, a progressive medical condition, or a personal injury caused by someone else’s negligence, we bring the strategic insight needed to move your claim forward. We know what it takes to prove your case, and we never back down when insurers push back unfairly.
Our lawyers are passionate about protecting individuals and families in the Pickering community. If you’re looking for a Pickering disability lawyer who will treat you with respect, compassion, and fierce advocacy, you’re in the right place. We will walk you through your options, recommend the best course based on your needs, and fight for a fair result. You don’t pay unless we achieve a settlement or win your case.
Book Your Free Consultation Today — Let’s Talk About Your Case
If you’re struggling to access the disability benefits you need or facing a denial that doesn’t seem right, don’t wait. The longer you delay, the harder it can be to reverse a decision.
Let us help you lift the burden, clarify your next steps, and fight for the compensation you’re entitled to. We proudly serve the Pickering area, and we’re ready to listen.
Contact us today to book your free consultation. Let’s work together to get you the support and stability you deserve.
April 25, 2025 
Cycling Accidents 
