Long Term Disability Lawyer Scarborough
Get the Highest Possible Income Replacement
Noohi Law Fights for Your Right to Income Replacement
One missed deadline means you lose everything, which is why you need Noohi Law immediately to force the insurer to pay before your rights expire forever.
If you are suffering from a serious illness or injury that prevents you from working, you expect your insurance coverage to be there for you. You paid your premiums on time, trusting that your disability insurance policy would protect your family’s financial future.
Unfortunately, many residents in Scarborough discover that insurance companies are businesses first and protectors second. Receiving a claim denial letter can be devastating, leaving you with physical pain, emotional anguish, and mounting bills.
At Noohi Law, our LTD denial lawyers understand the tactics insurance providers use to minimize payouts. We specialize in challenging insurance claim disputes and fighting for the long-term disability benefits you deserve.
If your claim has been denied or terminated, do not accept it as the final word. We can help to review it for FREE. Book Now, Your LTD Denial Letter Review. No obligation
Discover Long-Term Disability Claims Benefits For You
Long-Term Disability (LTD) benefits are designed to replace a portion of your income (usually 60-70%) if you become unable to work for an extended period. These benefits usually kick in after short-term disability benefits or Employment Insurance sickness benefits run out.
However, the definition of “disability” changes over time.
- Own Occupation: For the first two years, you usually only need to prove you cannot do your specific job.
- Any Occupation: After two years, the test often becomes stricter. You must prove you cannot do any job you are suited for by education or training.
Many insurance disputes arise at this two-year mark. Insurance firms often argue that you are ready to return to the workforce, even if your medical professionals disagree.
There Are Solutions! We Handle Claims Involving:
- Private insurance company policies (Manulife, Sun Life, Canada Life, etc.)
- Group benefits through your employer
- Individual disability insurance plans
Why Was My LTD Claim Denied?
Insurance litigation attorneys often see the same reasons for denial repeated across different cases. The insurance industry relies on specific loopholes to reject valid claims.
Common reasons for denial include:
- Insufficient Medical Evidence: The insurer claims your medical documentation does not prove you are “totally disabled.”
- Disputed Disability Definitions: They argue your condition does not meet the strict wording of your long term disability policy.
- Surveillance: Investigators may have filmed you doing groceries or walking the dog to argue that you are not injured.
- Pre-existing Conditions: They may claim your injury relates to a past medical issue excluded from coverage.
- Missed Deadlines: Failing to submit claim forms or medical records on time.
To win these cases, we build a fortress of evidence. We gather clinical notes, surgical reports, medical imaging reports, lab results, and opinions from specialists to prove the reality of your functional limitations.
Find Out The Injuries and Conditions We Represent
Disability is not just physical. It includes any condition that prevents you from performing the essential duties of your job. Our disability lawyers in Scarborough have extensive experience with:
Invisible Injuries & Mental Health
- Chronic Pain and Fibromyalgia
- Mental health disorders (Anxiety, Depression, Bipolar Disorder)
- Post-Traumatic Stress Disorder (PTSD)
- Traumatic Brain Injury (Concussion and TBI)
Physical Injuries
- Spinal cord injuries
- Orthopedic fractures from a motor vehicle collision
- Soft tissue injuries from a slip-and-fall accident
- Severe nerve damage from a dog bite injury
Whether your disability stems from a car accident, a workplace incident, or a degenerative disease, our specialized lawyers ensure your condition is fully documented.
The Intersection of Employment Law and LTD
When you are unable to work, your employment status often becomes precarious. It is not uncommon for employers to terminate employees who have been on leave for too long. This creates a complex mix of disability law and labour law.
Wrongful Dismissal and Human Rights
In Ontario, the Human Rights Code and Canadian Human Rights Act require employers to accommodate disabilities to the point of undue hardship. If you were fired because of your disability, you may have a claim for wrongful dismissal or even constructive dismissal.
Our team reviews your employment information to ensure you aren’t leaving money on the table. We look at severance, termination pay, and whether your employer violated employment standards.
Navigating Other Benefits: CPP and WSIB
A disability claim rarely happens in isolation. You may be dealing with multiple systems at once.
CPP Disability (Canada Pension Plan)
Most insurance policies require you to apply for Canada Pension Plan Disability benefits. If approved, the insurer will “offset” (deduct) the CPP amount from your LTD payments. We help you understand this benefit assessment and how it impacts your income replacement.
Workers' Compensation
If your injury happened at work, you might be dealing with the WSIB. If it were a car accident while working, you might have a choice between WSIB and a Tort claim (lawsuit).
Ontario Disability Support Program (ODSP)
For those without private insurance or CPP contributions, ODSP may be the safety net. We guide clients on how a settlement might impact their eligibility for government support.
Why You Need a Disability Lawyer
Fighting a multi-billion-dollar insurance firm alone is overwhelming, especially when you are dealing with medical injury and financial stress.
LTD denial lawyers level the playing field. When you hire Noohi Law, we take over all communication with the insurer.
- We File the Lawsuit: We bypass the internal appeals process, which is often a stall tactic, and move straight to legal assistance through the courts.
- We Secure Evidence: We work with medical professionals to generate the necessary medical evidence to refute the insurer’s doctors.
We Negotiate: Most insurance litigation is settled through mediation, securing you a lump sum for past and future benefits.
No Win, No Fee
We operate on a contingency fee basis. This means we shoulder the upfront costs of the legal process, including medical bills for reports and court fees. You only pay us if we recover money for you.
Living in Scarborough, and your Long-Term Disability Benefits Have been Denied?
Time is of the essence.
There are strict limitation periods for filing a lawsuit against insurance companies.
Contact Noohi Law today for an initial consultation. Let our client service lawyer review your denial letter and insurance policy. We will explain your rights, outline the representation agreements, and fight to restore your financial security.
Don’t let the insurance company have the final say. Contact us today.
To get the expert advice of a Long-Term Disability Lawyer, get in touch NOW! call 647-957-0218 or email mypersonalinjury@noohilaw.com.
Note: For existing file-related inquiries, call 416-907-7364 or email info@noohilaw.com.
Read what clients have to say about us:
“I would like to say my huge big appreciation and thanks to Noohi Law’s team specially dear Kathy joon who is the best knowledgeable and professional lawyer I have ever seen according to my LTD case and resolve my very stressful situation in a perfect great outcome I am going 110% refer Kathy and her team to whoever needs legal help from now on in my life. Thanks again dear Kathy and dear Ronak joon to be extremely professional and resolve my LTD case in a very short period of time.
Thanks again and have yourself a great wonderful days and years.
Hello to gorgeous beautiful number one law office Noohi team,
Thanks again for the second time to settle my case in terms of Accident Benefit in the first & last accident in my life 🙂
I would like to thank all team specially Kathy joon and Ronak joon for the number one great professionalism in terms of helping me to settle for best outcome in my case. five star is not enough for this team and I would like give them million stars from the bottom of my heart and wish them and their family all best of wealth and health prosperous gorgeous life ever, love you all and take care“
