How long do I have to file a lawsuit if my long-term disability claim is denied in Ontario?

April 03, 2025

If your insurance company denies your long-term disability benefits claim, you should immediately talk to a lawyer. Most policies require that you bring your objection to the insurer within 30, 60, or 90 days.

Policies may require that a lawsuit for denial of benefits be commenced within a year of the denial. The provincial limitations statute that applies to long-term disability insurance claims, however, will typically allow you up to two years to sue the insurer from the denial date. To avoid a problem in this regard, it is best to consult with a long-term disability lawyer as soon as you are notified by your long-term disability insurer that your benefits claim is denied or is being terminated.

We handle these cases with no upfront fees, so you only pay if we win or settle your claim. Schedule a free consultation with our firm today.

How long do I have to file a lawsuit if my long-term disability claim is denied in Ontario?

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