Long Term Disability Lawyers in Ontario

Serving all cities including Toronto, North York, Barrie, Hamilton, Sudbury and North Bay.

If your long-term disability claim has been denied, delayed, or terminated, our experienced legal team will fight for your right to the benefits you deserve so you can focus on your health and recovery.
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Who We Are

Oatley Vigmond has been representing Ontarians in long-term disability (LTD) disputes for decades. We understand that being unable to work due to illness or injury is not just a financial hardship, it’s an emotional and physical challenge as well.

Our team of seasoned lawyers and accident benefits specialists has extensive experience in Ontario insurance law and the intricate contractual terms of long-term disability policies. We work side-by-side with clients to compile compelling medical evidence, counter unfair insurance tactics, and fight to secure the full benefits they are entitled to, without delay.

Why You Need a Long Term Disability Lawyer

Many Ontarians are surprised to learn that the majority of LTD claims are initially denied or terminated within the first two years. Insurance companies often cite insufficient medical evidence, argue you can still perform “any occupation,” or rely on loopholes in policy wording to limit payouts.

In Ontario:

  • LTD benefits typically replace 60–70% of your pre-disability income
  • Most policies require you to prove you cannot perform your own occupation for the first 24 months, then any occupation thereafter
  • Strict appeal deadlines can be as short as 30–60 days
  • Legal action must be started within the limitation period—often two years from the denial date

At Oatley Vigmond, we handle these deadlines and requirements for you. We collaborate with doctors, vocational experts, and financial specialists to build a compelling case and push back against insurance company strategies designed to minimize or deny your benefits.

 Personal Injury Awards

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Types of Long Term Disability Cases We Handle

Our firm assists clients whose LTD benefits have been denied, reduced, or cut off due to:

Physical injuries such as brain injuries, spinal cord injuries and orthopaedic injuries:

Chronic pain and fibromyalgia:

Mental health conditions such as PTSD, depression and anxiety:

Neurological disorders such as multiple sclerosis, parkinson’s, and epilepsy:

Autoimmune conditions such as lupus and rheumatoid arthritis:

Cancer and other serious illnesses:

Cardiac conditions and recovery after major surgery:

FAQ for Long Term Disability Lawyers

What Are The Most Common Injuries in Long Term Disability Cases?

In occupiers’ liability cases, injuries can vary widely depending on the nature of the hazard and the circumstances of the accident. Some of the most common injuries include:

  • Fractures and broken bones: often caused by slips, trips, and falls on uneven or slippery surfaces.
  • Head injuries and concussions: resulting from falls or objects falling from a height.
  • Spinal cord injuries: which can lead to partial or complete paralysis.
  • Soft tissue injuries: such as sprains, strains, and torn ligaments.
  • Cuts and lacerations: sometimes requiring stitches or leaving permanent scars.
  • Burns: from exposure to hot surfaces, liquids, or chemicals.
  • Internal injuries: including organ damage from falls or blunt force trauma.

These injuries often require extensive medical care and may lead to long-term physical, emotional, and financial consequences.

Every case is different. Settlement values depend on factors such as the type of policy, extent of losses, cost of medical care, and impact on your ability to work. We carefully assess your situation and fight to recover the full amount owed under your policy and Ontario law.
When your insurance claim is denied, delayed, or undervalued, having an experienced lawyer on your side can make all the difference. Insurance policies are often complex, with fine print and exclusions that can be difficult to interpret without legal expertise. While insurance companies have entire teams of lawyers and adjusters working to protect their bottom line, you deserve a dedicated advocate fighting for your best interests. A skilled personal injury lawyer ensures that all deadlines are met, the necessary evidence is gathered and presented effectively, and your claim is backed by a strong legal strategy. They can negotiate directly with the insurer, challenge unfair decisions, and, if necessary, take your case to court to secure the compensation you are entitled to. With the right legal support, you can level the playing field and protect your rights at every stage of the claims process.

In Ontario, even if you are found partially at fault for an accident, you may still be entitled to recover compensation under the province’s Contributory Negligence rules. Rather than barring your claim entirely, Ontario law allows for your compensation to be reduced in proportion to the degree of fault assigned to you. For example, if you were found 25% at fault, your damages award would typically be reduced by 25%.

This is why having an experienced personal injury lawyer is critical. Our team understands how fault is assessed under the Negligence Act and how to challenge unfair attributions of responsibility. We work to minimize the percentage of fault assigned to you, gather compelling evidence to support your case, and ensure that you receive the maximum compensation possible. By leveraging expert testimony, accident reconstruction, and thorough documentation, we fight to protect your rights and ensure the insurance company or opposing party cannot unfairly reduce your benefits.

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