Question 1

What if my disability benefits were denied?

Accepted Answer

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.

Question 2

Can an insurer stop my payments without warning?

Accepted Answer

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

Question 3

Is part-time work allowed while on LTD?

Accepted Answer

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

Question 4

How long does an LTD lawsuit usually take?

Accepted Answer

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

Question 5

Do I have a good claim?

Accepted Answer

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

Question 6

Should I talk to the adjuster after my benefits stop?

Accepted Answer

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

Question 7

Can I challenge a CPP Disability refusal?

Accepted Answer

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

Question 8

What if my physician won’t back my disability claim?

Accepted Answer

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

Question 9

Will my workplace learn details about my condition?

Accepted Answer

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

Question 10

What occurs if I’m granted CPP Disability benefits?

Accepted Answer

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

Question 11

Are long-term disability payments taxable?

Accepted Answer

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

Question 12

What if I’m dismissed from my job while disabled?

Accepted Answer

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

Question 13

How long can LTD benefits continue in Canada?

Accepted Answer

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

Question 14

When might my claim settle?

Accepted Answer

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

Question 15

What is the limitation period to sue?

Accepted Answer

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

Question 16

How much compensation could I receive?

Accepted Answer

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

Question 17

Do you act for insurance companies?

Accepted Answer

No. Trianta Law represents policyholders only.

Long-Term Disability FAQ

What if my disability benefits were denied?

Can an insurer stop my payments without warning?

Is part-time work allowed while on LTD?

How long does an LTD lawsuit usually take?

Do I have a good claim?

Should I talk to the adjuster after my benefits stop?

Can I challenge a CPP Disability refusal?

What if my physician won’t back my disability claim?

Will my workplace learn details about my condition?

What occurs if I’m granted CPP Disability benefits?

Are long-term disability payments taxable?

What if I’m dismissed from my job while disabled?

How long can LTD benefits continue in Canada?

When might my claim settle?

What is the limitation period to sue?

How much compensation could I receive?

Do you act for insurance companies?

Should I talk to the adjuster after my benefits stop? 