Long Term Disability Lawyers in Ontario
Serving all cities including Toronto, North York, Barrie, Hamilton, Sudbury and North Bay.
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.
Types of Long Term Disability Cases We Handle
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.
How Much Are Long Term Disability Settlements?
Do I Really Need a Lawyer After a Long Term Disability?
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