Short & Long-Term Disability Lawyers in Ontario

You Shouldn’t Have to Fight for Benefits You’re Entitled To

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.

We handle all types of disability claims—including those denied for mental health conditions, chronic pain, anxiety, depression, and illnesses that don’t always show up on a scan. If you’re struggling to work and your claim has been denied, your condition is real, and your case deserves to be heard.

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.

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. A successful appeal doesn’t just restore your monthly benefits — it can recover every payment you’ve missed, plus interest, going back to the date of denial. In some cases, your insurer may also be required to cover your legal fees.

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

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.

Not sure if you have a case?
Let’s find out together.

Most denied claims are never challenged—not because they aren’t valid, but because people don’t know where to start. A free call with our team is all it takes to find out where you stand.

FAQs: Short and Long-Term Disability