Oshawa Long-Term Disability Lawyers
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Contact our Oshawa long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
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People pay monthly premiums to their insurance companies so that, in case of the worst, they will be able to access life-saving benefits payments. Certain businesses offer their employees access to a group insurance plan with coverage for long-term disability benefits. People who do not have access to sufficient coverage through their employer’s insurance plan may decide to purchase their own private policy so that, in case they are unable to work as a result of a severe injury, physical illness, or mental disorder, they will be able to access the coverage they need to continue supporting themselves and their families.
For workers in Oshawa and across Durham Region, a disabling condition can affect far more than regular income. People who work in health care, education, manufacturing, skilled trades, retail, logistics, or office-based jobs near downtown Oshawa, Simcoe Street, Taunton Road, or the Highway 401 corridor may suddenly be unable to continue performing the daily duties of their occupation.
LTD benefits can provide eligible insurance policyholders with between 60-70% of their regular earnings when they cannot return to work after receiving a diagnosis for a disabling medical condition. These monthly income replacement payments can go a long way to helping people living with a disability make ends meet.
Unfortunately, insurers sometimes deny, delay, or terminate LTD claims for unfair reasons. When this happens, our Oshawa long-term disability lawyers can help clients fight insurance companies and gain access to the benefits they need. To find out how we may be able to help you, schedule a free initial consultation today.
Why LTD Claims Are Denied In Oshawa
Sadly, many claims for LTD benefits are turned down by insurance providers, and the payments to which policyholders should be entitled are withheld. Often, this happens when applicants submit claims for so-called “invisible” injuries or illnesses. The severity of “invisible” injuries or illnesses is subjective, meaning there is no metric or test to objectively observe their impacts on a patient.
Since these conditions cannot be proven by analyzing the results of medical tests, and their impact on a person’s ability to perform their job cannot be objectively measured, many policyholders who should be eligible to receive LTD benefits receive a denied claim.
Some examples of invisible injuries or illnesses that are often unfairly dismissed by insurers include:
- Depression
- Anxiety
- Chronic pain or complex regional pain syndrome (CRPS)
- Post-traumatic stress disorder (PTSD)
- Fibromyalgia
- Arthritis
- And more
Unfortunately, it can be hard to get LTD benefits, even when eligible policyholders are able to provide medical evidence substantiating that their disabling medical condition makes it impossible to carry out the duties of their jobs. Some claimants may also need to consider how private disability coverage interacts with other income supports, including Employment Insurance sickness benefits.
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Since 1959, we’ve helped thousands of Canadians get the compensation they deserve with their long-term disability claims. One of Canada’s oldest personal injury law firms, personal injury law is exclusively what we do. Book a free consultation today with our top-rated personal injury lawyers.
Our team is available 24/7 to speak with you.
How Our Oshawa Long-Term Disability Lawyers May Be Able To Help
If your claim for LTD benefits was denied by your insurance provider even though your medical condition makes it impossible for you to work, our Oshawa long-term disability lawyers may be able to help you. We understand the tactics often used by insurance companies to treat their policyholders unfairly and are passionate about helping members of the local community stand up for their rights.
Our lawyers may be able to:
- Review your denial letter
- Assess the insurer’s stated reasons
- Gather supporting medical documentation
- Appeal a denial
- Explain potential legal options in plain language
- Launch a lawsuit against an insurer who has acted wrongfully
- And more
The support of an experienced Oshawa personal injury lawyer can be especially important for claimants in Oshawa who are trying to manage ongoing treatment, specialist appointments, family obligations, and financial pressure at the same time.
To learn how our Oshawa long-term disability lawyers might be able to assist with your case, book a free initial consultation with Preszler Injury Lawyers by calling 1-888-608-2111 or contacting us online.
Contact Our Oshawa LTD Lawyers For A Free Consultation
Receiving a denied claim for LTD benefits can be discouraging, frustrating, and legitimately frightening. Our long-term disability lawyers serving Oshawa are committed to helping the people we represent recover the compensation and fair treatment they may be due.
If your disability or illness was the result of another party’s negligence, our personal injury team may also be able to help you explore your options for a tort claim. Our LTD lawyers often work alongside our Oshawa car accident lawyers and our Oshawa slip and fall lawyers when claimants are eligible for multiple types of compensation.
Schedule a free initial consultation with our Oshawa long-term disability lawyers today and learn how Preszler Injury Lawyers may be able to assist you with your case. Call 1-888-608-2111 to get started.
Proudly Canadian
Award Winning Personal Injury Law Firm
We are proud to be one of Canada’s oldest and long-standing personal injury law firms. Since 1959, we have been providing exceptional legal services and have established ourselves as leading personal injury lawyers in the Canadian legal community. It’s not just the awards that recognize our achievements, but also the wins we’ve achieved for thousands of Canadians with their long-term disability claims.
Case Results
long-term disability Settlements
Please note that past results are not indicative of future results as each scenario presents itself with its unique set of circumstances. But here are some long-term disability related wins we’ve had for our clients.
More long-term disability Topics
Here’s more information on long-term disability related topics that we think you might find helpful.
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January 21, 2026
Understanding the “Own Occupation” Clause in Long-Term Disability Insurance Benefits
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January 21, 2026
What Happens When Your LTD Benefits Are Terminated After Years of Approval?
When long-term disability (LTD) benefits are terminated after years of approval, it usually signals that the insurance company believes you no longer meet the specific…
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March 12, 2024
Navigating Long-Term Disability and Long COVID in Ontario
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Download Our "Long-Term Disability Appeals" E-Book
Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.
In this ebook, you’ll learn:
- The difference between an internal appeal and a lawsuit
- How the LTD appeals process typically works in Ontario
- What evidence you can gather to strengthen your appeal
- How to respond to insurance company requests and other tactics they might use
- What deadlines may apply to your appeal
- The benefits of working with an LTD lawyer when you need to appeal your denied claim
- And more
Download Our "I’m Approaching Change of Definition" E-Book
Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.
This ebook will help you:
- Understand what “change of definition” means when it comes to LTD policies
- Learn when this shift typically occurs and how it might affect your eligibility
- Know what evidence you can collect to support your continued claim
- Identify warning signs that a denial or termination might be coming
- Explore your legal options when your insurer cuts off your benefits
- Discover how a long-term disability lawyer can advocate for your rights
- And more
Download Our "Denied Long-Term Disability Benefits" E-Book
Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.
In this ebook, you’ll learn:
- Common reasons why long-term disability claims are denied in Ontario
- What to do immediately after receiving an LTD denial
- The difference between appealing a denial and filing a lawsuit against your insurer
- How to gather strong medical and occupational evidence to support your claim
- What deadlines apply to LTD claim disputes
- How our long-term disability lawyers can help you build a strong case
- What compensation you may be entitled to
- And more
Download Our "Applying for Long-Term Disability Benefits" E-Book
Here’s an e-book you might find useful if you’re interested in learning more about how long-term disability claims work.
In this ebook, you can read about:
- Who qualifies for LTD benefits in Ontario
- How to effectively complete your LTD application package
- What medical and employment documentation you need to collect
- How insurance companies evaluate LTD claims
- Tips to avoid common errors that may lead to delays or denials
- What to do if your claim is denied
- How our long-term disability lawyers can support your application
- And more
More long-term disability Video Resources
We also have some videos on the topic of long-term disability claims
Learn More in Our Documentaries
Understand how our lawyers help clients fight unfair insurer denials, delays, and terminations.
car accident
When Pain is Invisible: A Documentary
A client’s story about life after a car accident, chronic pain, long-term disability benefits, insurance surveillance, and the ultimate struggle to be believed.
long-term disability FAQs
Here are some commonly asked questions for long-term disability claims
Can I appeal a CPP Disability denial?
Yes, CPP denials can be appealed through the Social Security Tribunal, which reviews applications and medical evidence.
What if my doctor doesn’t support my disability claim?
You may seek a second opinion from another qualified physician to provide additional evidence.
Can the insurance company cut off my benefits without notice?
Insurers may stop benefits if they believe you no longer meet the disability definition, but they must provide reasons.
Will my employer know about my disability claim?
Employers usually only know that you’re receiving LTD benefits, not the details of your medical condition.
What happens if I’m approved for CPP Disability benefits?
Your LTD insurer may deduct CPP benefits from your LTD payments. Approval for CPP Disability may strengthen your LTD case.
Can I work part-time while receiving long-term disability benefits?
Sometimes, policies allow partial benefits if you can work reduced hours. The rules depend on your policy language.
Can my LTD benefits be taxed?
Taxation depends on whether your premiums were paid with pre-tax or after-tax income. If your employer paid the premiums, your benefits may be taxable.
What if my employer terminates me while on disability?
Employment termination doesn’t automatically cancel your LTD benefits. Your coverage may continue as long as you were covered when you became disabled.
LONG-TERM DISABILITY BENEFITS DENIED OR CUT-OFF IN OSHAWA?
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