Long-Term Disability FAQ

You may have options to challenge the decision depending on the policy and medical evidence. Legal advice can help clarify next steps. We provide consultations to review individual circumstances and outline available options. Each matter is assessed on its specific facts, and documentation is organized carefully to support appropriate treatment access and resolution of the claim.

An insurance company may end benefits if it believes you no longer meet the policy definition of disability, but it must explain its decision.

Certain policies provide partial benefits if you return to limited hours, depending on the contract terms.

A case can last from several months to a few years, depending on disputes and court timelines.

It depends on the policy wording, medical records, and available evidence.

It’s best to seek legal advice first before communicating with the insurer.

Yes. A denial can be reviewed by the Social Security Tribunal, which reassesses your application along with your medical documentation.

You can obtain another opinion from a different qualified doctor to strengthen your supporting evidence.

Typically, employers are only informed that you are receiving long-term disability benefits, not your medical specifics.

Your insurer may offset CPP payments from your LTD amount, and the approval can help support your disability claim.

It depends on who paid the premiums — benefits are often taxable if your employer funded the plan.

Losing your employment does not necessarily end your LTD coverage if you were already eligible when your disability began.

Duration varies by policy — some pay for a set period, while others continue until age 65.

Many matters resolve within about one to three years, though complexity can affect timing.

In Ontario, you generally have two years from the denial date or last payment.

The amount differs for each person and is based on individual circumstances.

No. Trianta Law represents policyholders only.