Long-Term
Disability
Helping you when your benefits
are denied.
If illness or injury has prevented you from working, your long-term disability (LTD) coverage is supposed to replace your income and provide financial stability.
But many people discover that after months — or even years — of payments, the insurance company delays, cuts off or denies their benefits.
If this has happened to you, you are not alone. We help you understand your rights and challenge unfair disability decisions to allow you to focus on your health instead of financial stress.
How Your Disability Benefits Work
Every policy is different, but most LTD plans require you to:
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Complete a waiting (elimination) period
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Submit a detailed application
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Provide ongoing medical documentation
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Participate in recommended treatment or rehabilitation
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Undergo a change in disability definition over time
Most policies first ask whether you can do your own job, and later whether you can do any job at all. Many benefits are denied at this transition point.
LTD payments typically replace about 50%–85% of your income, depending on your policy and how premiums were paid.
Why Insurers Deny or Stop Benefits
Disability policies contain strict requirements and complex wording. Claims are often denied or terminated because of:
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Alleged insufficient medical evidence
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Surveillance or file reviews
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“Any occupation” assessments
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Missed paperwork deadlines
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Disputes about treatment compliance
Insurance letters are often confusing or misleading. Getting advice early can prevent mistakes that harm your claim.
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Your Legal Options
If your LTD claim was denied — or your payments were cut off — you may have the right to take legal action against the insurer.
We help pursue compensation for:
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Past unpaid benefits
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Future disability payments
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Interest and additional damages where applicable
Our goal is to restore the financial security your coverage was meant to provide.
Free Consultation
If your long-term disability benefits were denied or terminated, do not wait — delays can affect your legal rights.
Contact Trianta Law for a free consultation if the incident occurred in York Region, Toronto, and the GTA, including Markham, Richmond Hill, Vaughan, Aurora, and Newmarket. We also serve clients throughout Durham Region, Peel Region, and Simcoe County.
