What to do if my LTD claim is denied?
Don't accept the denial as final — get the insurer's written reasons, keep your medical treatment going, and call us for a free consultation, because most denials can be challenged.
4.9/5 | Your Life, RebuiltDisability & Employment Lawyers in CanadaDisability & Employment Lawyers in Canada
Has your disability claim been denied?
Toronto’s disability lawyers for 40+ years
Based in Toronto, our long-term disability lawyers help people fight back against denied claims and move forward with confidence. We have helped over 9,000 individuals secure the LTD benefits they deserve—and we are ready to help you. No matter where you are in the process, Share is There.
Trusted Toronto lawyers for long-term disability claims
For over four decades, Share Lawyers has represented people across Toronto whose long-term disability benefits have been delayed, stopped, or refused. Our practice is dedicated exclusively to LTD claims, giving our team deep experience in dealing with the strategies and tactics used by major Canadian insurers, such as Manulife, Sun Life, Canada Life, OTIP, Desjardins, Blue Cross, and others.
More than 9,000 people have turned to us for help recovering the benefits their insurance policies provide. From reviewing a denial letter to negotiating a settlement or bringing a lawsuit when necessary, we guide clients through each decision and handle the legal pressure so they can focus on their health.
Share Lawyers has been recognized by Lexpert, Best Lawyers, and OTLA, and our work is reflected in more than 1,000 positive client reviews. Those distinctions reflect a team that combines focused disability-law experience with attentive, client-centred representation.
Insurers’ decisions can feel final, but they often are not. If your LTD payments were delayed, terminated, or denied, speak with our experienced legal team about your options. We will work to hold the insurer accountable and pursue the financial support you need.
Toronto Long-Term Disability Lawyers Serving Ontario
AjaxAuroraBarrieBellevilleBrantfordBurlingtonBradfordBramptonCambridgeCollingwoodCobourgGeorgetownGravenhurstGuelphHamiltonKeswickKingstonKitchenerLindsayLondonMarkhamMidlandMiltonMississaugaNewmarketNiagara FallsNorth BayOakvilleOrangevilleOrilliaOshawaOttawaOwen SoundPeterboroughPickeringRichmond HillRocklandSarniaSault Ste. MarieScarboroughSt. CatharinesStouffvilleSudburyTimminsThunder BayThornhillTorontoVaughanWaterlooWellandWhitbyWindsor
Client testimonials
Out of 5 review rating
265 Google reviews
265 Google reviews
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reviews
I’m very grateful for the support and guidance I have received from Share Lawyers. The team has been professional, caring, and responsive throughout the process. I appreciate their help and would recommend them to anyone looking for support with a disability claim.
I called and within 4 months we won against my disability insurer. Great team from Receptionist to the lawyers. Highly recommended.
I had a very positive experience working with Share Lawyers. From the beginning, their team was professional, supportive, and easy to trust.
No Legal Fees Until You Win Your Case
Worrying about legal costs should not prevent you from getting help with a disability claim. Whether you are considering a claim, responding to an insurer’s decision, or dealing with benefits that have been stopped, our Toronto LTD lawyers are available to discuss your situation.
Your initial consultation is free, and there are no upfront legal fees. We work on a contingency-fee basis, meaning our firm is paid only if we successfully recover compensation for you. Share Lawyers is here to support your case—and you do not pay us unless we achieve a successful result.
Learn more about our fees →
How Our Toronto Disability Lawyers Support You
A denied disability claim can leave you uncertain about your options and overwhelmed by the insurer’s process. Our team provides straightforward guidance from the outset, helping you understand your position and the steps available to you. For decades, we have helped people in Toronto challenge disability-benefit decisions that were unfair or unsupported.
Speak With Our Team First
Book a free consultation to tell us what happened and discuss a claim that has been refused, delayed, or terminated. You can meet with us remotely from home, and you will not pay any upfront legal fees.
Advice Tailored to Your Claim
No two LTD files are the same. We carefully assess the details of your situation, including your medical documentation and the insurer’s explanation for its decision, then recommend an approach based on your circumstances. Our lawyers create a clear strategy designed to put your claim in the strongest possible position.
Put the Insurer’s Process in Our Hands
Dealing with an insurance company while managing a disability can take a significant toll. Once you retain Share Lawyers, we take on communications and legal advocacy with the insurer, allowing you to focus more fully on your well-being and recovery.
For more than 40 years, Share Lawyers has represented people pursuing disability benefits. Our focused practice is built on helping clients seek the financial support they need when an insurer says no.
Lawyers Specializing in Disability Law
Lawyers Specializing in Disability Law
Finding a long-term disability lawyer in Toronto does not need to be complicated. We have specialized in disability law longer than any other law firm in Canada. If you're ready to get the disability benefits that you deserve, reach out to us immediately to schedule a free consultation.
Our Success Stories
Hear directly from our clients, who were wrongfully denied, how our legal team helped them overcome challenges and get the long term disability benefits they rightfully deserve
Faith's battle with Chronic Fatigue Syndrome shows how Share Lawyers fought back after her long term disability claim was unfairly denied—and won.
Everyone feels tired sometimes. With busy work and life schedules, it can be easy to overwork. But for those with Chronic Fatigue Syndrome (CFS), this feeling of being fatigued and tired doesn’t go away with a good night’s sleep. This condition is also known as systemic exertion intolerance disease (SEID) or myalgic encephalomyelitis (ME). Sometimes it’s…
Share Lawyers secured a long-awaited disability settlement for Diana Sutter after multiple denials for migraines, depression, and fibromyalgia.
Diana Sutter was a hard-working woman from Orillia, who loved her job. Having worked in the Mental Health field for over twelve years, Diana had dealt with many different people and situations. Not much could upset her anymore. She loved her co-workers and enjoyed going to work every day. Unfortunately, Diana suffered from severe chronic migraines and ha…
Toronto Lawyers for Disability, Employment, and Insurance Claims
Based in Toronto and serving clients across Ontario and Canada, Share Lawyers focuses on helping people protect their income, benefits, and employment rights. Whether your claim involves workplace disability coverage, a private policy, an employment dispute, or another type of insurance benefit, our team can help you understand the process and take meaningful next steps.
Disability claims: Employee benefits
Many employees receive long-term disability coverage as part of their workplace group benefits plan. Although you may have paid for this protection through your employment, insurers can make the application and claims process difficult to navigate. These cases often depend on strong medical evidence, policy wording, and strict deadlines that are not always clearly explained. Our Toronto LTD lawyers can assist at every stage, from preparing an application to responding to a denied or terminated claim.
Disability claims: Privately purchased
Professionals, entrepreneurs, self-employed individuals, consultants, and freelancers may have disability insurance policies they purchased independently. Insurers often examine these claims closely, particularly when the policy provides substantial monthly benefits. Getting advice early can make a real difference. Our lawyers can review your circumstances, help you understand your policy, and provide representation throughout the LTD claims process.
Other Areas We Handle
Employment claims
We represent employees also managing disability claims who have been wrongfully dismissed, terminated, fired, or offered unfair severance. If you believe your employer has failed to respect your workplace rights or provide appropriate compensation, our Toronto employment lawyers can help you assess your options and pursue a fair resolution.
Insurance claims
We also act for people whose insurance claims have been refused, delayed, or unfairly handled. This includes life insurance, critical illness insurance, accidental death and dismemberment coverage, out-of-country medical insurance, and disability mortgage insurance claims.
Respected in the Legal Community
Our lawyers’ work on behalf of people with disability claims has been recognized by leading legal organizations. Share Lawyers is proud to be connected with the Law Society of Ontario, The Advocates’ Society, the Ontario Trial Lawyers Association, the American Association for Justice, and the Trial Lawyers Association of British Columbia. These professional connections reflect our commitment to advocating for people facing disability, employment, and insurance disputes.
We’re here to support you during
this difficult time
Frequently Asked
Questions
How long do I have to appeal a denied LTD claim?
Insurers often allow only 30 to 90 days for an internal appeal, so contact us right away and we'll confirm your deadlines before any of them pass.
How long does an LTD claim or lawsuit take to resolve?
Most cases resolve within several months to about two years, and the sooner you call us, the sooner we can start building your case and pushing the insurer toward a settlement.
What benefits can I claim in a long-term disability lawsuit?
You may be entitled to your past and future benefits, interest, legal costs, and in some cases extra damages for how the insurer treated you — call us and we'll tell you what your claim could be worth.
How can a Toronto LTD lawyer assist me?
We take over everything the insurer is putting on you — the policy review, the medical evidence, the paperwork, and the negotiations — so you can focus on your health while we fight for the benefits you paid for.
What factors should I consider when selecting a long-term disability lawyer near me?
Choose a firm that handles disability claims every day, has a proven record against Canada's biggest insurers, works on contingency, and treats you like a person — which is exactly the standard we hold ourselves to.
How much does a long-term disability lawyer in Toronto cost?
Nothing upfront — we work on contingency, so you pay no fees unless we win your case, which means there's no risk in reaching out to find out where you stand.
Frequently Asked Questions
Don't accept the denial as final — get the insurer's written reasons, keep your medical treatment going, and call us for a free consultation, because most denials can be challenged.
Insurers often allow only 30 to 90 days for an internal appeal, so contact us right away and we'll confirm your deadlines before any of them pass.
Most cases resolve within several months to about two years, and the sooner you call us, the sooner we can start building your case and pushing the insurer toward a settlement.
You may be entitled to your past and future benefits, interest, legal costs, and in some cases extra damages for how the insurer treated you — call us and we'll tell you what your claim could be worth.
We take over everything the insurer is putting on you — the policy review, the medical evidence, the paperwork, and the negotiations — so you can focus on your health while we fight for the benefits you paid for.
Choose a firm that handles disability claims every day, has a proven record against Canada's biggest insurers, works on contingency, and treats you like a person — which is exactly the standard we hold ourselves to.
Nothing upfront — we work on contingency, so you pay no fees unless we win your case, which means there's no risk in reaching out to find out where you stand.
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