Short & Long-Term Disability Lawyers in Ontario

Service overview

At FDT Law, we help people who’ve been denied short- or long-term disability benefits get back what they’re owed—with clarity, compassion, and no added stress. If your claim has been denied, delayed, or unfairly reduced, you’re not alone—and you’re not out of options. Our lawyers understand how difficult it is to manage a disability while also dealing with a confusing insurance process. That’s why we take care of everything—from paperwork and insurer communications to appeals and litigation—so you can focus on your health and your family.

Why Disability Claims Are Denied

Your disability claim was denied. Now you’re asking: what next? We know how overwhelming and unfair that can feel. That’s why we’re here to help provide confidence and guide you through the next steps. Whether it was a misunderstanding about your policy terms, missed deadlines, insufficient medical documentation or a technicality sprung on you by the insurance company, we help you understand your rights and work toward a quick, fair settlement—ensuring you get what you were promised.

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Lack of Medical Evidence

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Missed Deadlines

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Definition Disputes

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Failure to Follow Treatment Plans

What You May Be Entitled To

Denial of short- or long-term disability claims is overwhelming. It impacts your ability to support yourself or your family. We help people in your situation every day, handling the paperwork, dealing with insurers, and fighting to recover the benefits promised to you. We’re here to guide you through the process and ensure you get the support you deserve, including: Backpay: A lump sum covering missed payments from the time of your disability or initial denial. Ongoing Monthly Payments: Continued benefits into the future, often until age 65 or until you’re no longer considered disabled. Interest: Compensation for the delay in receiving your benefits. Legal Costs: Your insurer may be required to pay part or all of your legal fees. Reinstatement of Benefits: If your appeal succeeds, your monthly payments may resume without settling the claim.

How We Help With Denied Disability Claims

We understand that being denied disability benefits adds a heavy burden when you’re already dealing with serious health and financial stress. We aim to take that weight off your shoulders—not add to it. At FDT Law, we handle all the paperwork, deal directly with the insurance company, and guide you through every step, so you can focus on your health and family. No Fees Unless We Win: We know finances are tight. That’s why we work on a contingency fee basis—meaning there are no upfront fees. You only pay if we win your case. We Handle All Communication with the Insurer: We take on the difficult conversations and confusing insurance jargon, so you don’t have to. We make sure your case is handled professionally and efficiently. We Gather the Right Evidence: Denied claims often lack the necessary medical documentation. We work closely with your doctors and healthcare providers to collect the evidence insurers require. We Explain Your Rights & Guide You Step-by-Step: We simplify the process and keep you informed at every stage so you never feel lost or alone.

FAQs: Short and Long-Term Disability

Can I afford to hire a lawyer for my denied short-term disability insurance claim?

Many disability lawyers, including those at FDT Law, work on a contingency fee basis, meaning you pay no fees unless we win your case. This payment structure allows you to get expert help without upfront costs, which is especially vital when facing financial stress.

How does a disability insurance claim lawyer help with denied benefits?

Our disability insurance claim lawyers will handle all communications with your insurance company, gather necessary medical evidence, and build a strong appeal to improve your chances of reinstating your benefits. We take the stress off your shoulders and fight for your rights.

How long do I have to appeal a denied LTD claim?

Ontario has strict deadlines for filing appeals on denied disability claims. It’s crucial to contact a disability lawyer as soon as possible after a denial to avoid missing essential timelines that could affect your ability to recover benefits.

What can I expect during the disability claims appeal process?

The appeal process involves collecting medical records, submitting detailed evidence, communicating with insurance companies, and possibly negotiating a settlement or going to court. Your lawyer will guide you step-by-step, explain what to expect, and keep you informed.

What documents do I need?

To support your disability claim or appeal, you should gather your insurance policy details, medical records from your healthcare providers, any reports related to your injury or illness, and correspondence with your insurer or employer. If applicable, also collect employment documents such as contracts or termination letters. Having these ready helps your lawyer build a stronger case for you.

What if my employer terminated me?

If your employer has terminated your employment, it’s crucial to understand how this affects your disability claim and your rights. We can help you navigate the situation, protect your benefits, and advise on any potential wrongful dismissal or employment issues related to your disability.

What is involved in appealing a denied long-term disability claim in Ontario?

Appealing a denied claim usually involves submitting additional medical documentation, responding to insurer requests, and sometimes negotiating or litigating if necessary. Our lawyers are experienced in long-term disability appeals in Ontario and can help you navigate each step effectively.

What makes FDT Law different as a disability insurance dispute lawyer in Ontario?

We combine expert knowledge of disability law with compassionate, personalized support. We understand the emotional and financial pressures you face and work tirelessly to secure the benefits you deserve while reducing your stress.

What should I do if my short-term or long-term disability claim is denied?

If your disability claim is denied, it’s critical to act quickly. Contact our team; our lawyers specialize in long-term disability appeals in Ontario and are ready to review your case. They can help you understand your rights and guide you through the appeal process.

SHORT & LONG TERM DISABILITY

ASSAULT AND BATTERY

BRAIN INJURY

PSYCHOLOGICAL OR EMOTIONAL INJURY

MOTOR VEHICLE ACCIDENTS

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About us

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About us

FDT Law is a team of approachable, experienced lawyers who provide clear, compassionate legal support for life’s most important moments—always putting people first.

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Call us

1-800-563-6348

Meet the Team That Will Fight for You

Michael D. Laplante LL.B,*CS

Michael Laplante shares over 20 years of experience and his deep knowledge of insurance tactics to fiercely advocate for motor vehicle accident victims. Certified in Civil Litigation, he guides you through the legal process with compassionate, expert support to help you secure the compensation you deserve

Lisa D. Belcourt B.A. (Hons), LL.B.

Lisa has extensive experience in all levels of the Ontario Courts and has many reported decisions in respect to applications, motions, trials and appeals. She also has extensive experience appearing before administrative tribunals.

Patrick Sloan, B.A., LL.B

Patrick is a Partner of Ferguson Deacon Taws LLP. He was called to the bar in January 2009 and graduated from Aberdeen University (L.L.B), Nipissing University (B.A.), and holds a Certificate in Mediation and Dispute Resolution from York University.

Michael D. Laplante LL.B,*CS

Michael Laplante shares over 20 years of experience and his deep knowledge of insurance tactics to fiercely advocate for motor vehicle accident victims. Certified in Civil Litigation, he guides you through the legal process with compassionate, expert support to help you secure the compensation you deserve

Lisa D. Belcourt B.A. (Hons), LL.B.

Lisa has extensive experience in all levels of the Ontario Courts and has many reported decisions in respect to applications, motions, trials and appeals. She also has extensive experience appearing before administrative tribunals.

Patrick Sloan, B.A., LL.B

Patrick is a Partner of Ferguson Deacon Taws LLP. He was called to the bar in January 2009 and graduated from Aberdeen University (L.L.B), Nipissing University (B.A.), and holds a Certificate in Mediation and Dispute Resolution from York University.

4.9 Average Customer Review

Step 01

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Step 01

Free Consultation

We’re here to listen. During your free, no-obligation consultation, you can share your story—how your health issues impact your life and work. We’ll carefully review your situation and explain your legal options in simple, clear terms.

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Step 02

Case Assessment and Evidence Collection

We’ll build your case by gathering key evidence like medical records, insurance policy details, and doctors’ reports. We may also consult with healthcare experts to strengthen your claim.

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Step 03

Insurance Communications

Dealing with insurance companies can be confusing and intimidating. We handle all communication on your behalf to protect your interests and ensure your claim is documented correctly.

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Negotiation and Settlement

We work to reach a fair settlement covering your benefits, including ongoing monthly payments and any backpay owed.

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Litigation (If Necessary)

If a fair settlement isn’t possible, we’ll represent you in court, fighting to get the benefits you are entitled to under Ontario law.

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Compensation and Resolution

Once your claim is approved or a settlement is reached, we will ensure you receive your benefits promptly so you can focus on your health and your family.

Our Process: A Step-by-Step Guide

After your insurance claim is denied, we guide you through the legal process with clear communication, compassion, and a focus on minimizing stress while pursuing the compensation you deserve.

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Friendly Support

We listen, explain things clearly, and make sure you feel comfortable every step of the way.

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Experience Team

You get a whole team working for you. Our combined experience ensures clear, confident guidance.

Our Process: A Step-by-Step Guide

After a motor vehicle accident, we guide you through the legal process with clear communication, compassion, and a focus on minimizing stress while pursuing the compensation you deserve.

Step 01

7

Step 01

Free Consultation

We’re here to listen. Book a free, no-obligation consultation and tell us how your accident happened, what injuries you’ve sustained, and how your life has been affected. We’ll assess your situation and explain your legal options.

Step 02

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Step 02

Case Assessment and Evidence Collection

If you have a valid claim, we will begin building your case. Your lawyer gathers key evidence like medical records, accident reports, insurance policy details, and witness statements. We may also consult medical, rehabilitation, or accident reconstruction experts to strengthen your claim.

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Step 03

Negotiation and Settlement

Before moving to litigation, we seek to resolve your case through negotiation. We advocate a fair settlement covering your medical expenses, lost income, rehabilitation costs, and pain and suffering.

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Step 04

Insurance Communications

Dealing with insurance adjusters can be overwhelming, and what you say could affect your claim. We can handle communications with insurance companies to protect your interests, ensure proper documentation, and guide you in providing any required statements.

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Step 05

Trial (if necessary)

If a fair settlement isn’t possible, your case may proceed to court. We represent you at every stage, presenting a strong case to fight for the full compensation you are entitled to under Ontario law.

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Step 06

Compensation and Resolution

Once a settlement is reached or a judgment is awarded, we ensure that you receive your compensation promptly so you can focus on healing and moving forward with your life.

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Friendly Support

We listen, explain things clearly, and make sure you feel comfortable every step of the way.

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Experience Team

You get a whole team working for you. Our combined experience ensures clear, confident guidance.

Get Help With Your Disability Claim Today

Are you facing a denied short- or long-term disability claim? Get trusted legal help from a team that listens, understands your challenges, and fights to protect your rights—book your free consultation today and take the first step toward getting the benefits you deserve.

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