Ontario Disability Advocates
Long Term Disability Denials: You Don’t Have to Fight Alone
When an insurance provider denies your disability claim, it can feel like your future is at stake. We specialize in challenging denials and securing the benefits you earned through years of hard work. Our legal experts provide the authoritative advocacy needed to dispute insurance decisions and fight for your financial security.
Common Reasons Insurers Deny Claims
Insufficient Medical Evidence
The insurer may argue that clinical notes or diagnostic tests do not provide objective proof that your condition is severe enough to prevent you from working.
Policy Exclusions
Denials often stem from pre-existing condition clauses or 'self-reported' illness limitations found within the complex language of your disability policy's fine print.
Missed Timelines
Disability policies have incredibly narrow windows for filing a Notice of Claim or Proof of Loss. Missing these contractual deadlines can lead to an automatic and permanent denial of benefits.
Definition Changes
Often after 24 months, insurers shift the criteria from if you can do your job to if you can do any job at all, which frequently leads to benefit termination.
Strategic Appeals & Aggressive Advocacy
Our team deconstructs denial letters and works with medical experts to rebuild your claim from the ground up. We confront insurer justifications including 'lack of objective evidence' or 'capacity for sedentary work' with aggressive, evidence-backed disputes.
- Detailed analysis of denial logic and policy exclusions
- Coordination with top-tier medical and vocational specialists
- Development of rebuttal evidence for medical file inconsistencies
- Strict adherence to time-sensitive administrative appeal deadlines
Commonly Asked Questions
Navigating a long term disability denial in Ontario is stressful. We’ve answered the most frequent concerns below to help you understand your rights and next steps.
What is the very first thing I should do if my claim is denied?
Do not sign anything or submit anything without legal advice. The first step is to have a lawyer review your insurer’s denial letter. We provide free consultations in Ontario to help you decode their reasons and identify the best legal strategy to fight back.
Are there deadlines for appealing a disability denial in Ontario?
Yes, and they are strict. Most policies have internal appeal windows ranging from 30 to 90 days. Furthermore, Ontario has a general two-year limitation period to start a legal claim. Missing these dates can permanently end your right to benefits, so it is vital to act immediately.
How much does it cost to hire Van Delft Law for my case?
We work on a contingency fee basis. This means there are no upfront legal fees or hourly bills for you to worry about while you are unable to work. We only get paid if we are successful in securing a settlement or recovery for you.
The insurance company says there is 'no objective evidence' of my disability. What now?
This is a common tactic, especially for conditions like chronic pain, brain injuries, or mental health struggles. We collaborate with independent medical specialists to build a robust file that proves your condition meets the policy’s definition of disability, even when the insurer tries to dismiss it.
Can you help me if I have already started an internal appeal?
Absolutely. We often step in during the internal appeal process when clients feel overwhelmed or when their first appeal has been rejected. We take over the heavy lifting, ensuring all medical and legal arguments are framed correctly to maximize your chances of success.
How long does it typically take to resolve a disability dispute?
While every case is unique, our focus is on resolving your claim as efficiently as possible. By applying strategic pressure and providing expert rebuttal evidence early on, we aim to get your benefits reinstated without unnecessary delays. We will keep you informed at every milestone.