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Long-Term Disability Lawyers

It’s time to pick up the pieces, and you don’t have to do it alone.

Our long-term disability lawyers will work with you to get the right compensation and support for the physical, emotional, and mental trauma caused by an accident, injury or illness.

You may have purchased your LTD policy privately, or you may have coverage through a package of group benefits made available to you by your employer. Or, your claim may arise under a mortgage disability policy that your bank required you to purchase when you financed your home or business. Your disability may be the result of Chronic Fatigue Syndrome (CFS), Myalgic Encephalomyelitis (ME), or Fibromyalgia (FM), or it may arise from a Cardiac, Respiratory, Immunologic, Neurologic, Mental Health, or other disabling conditions.

Regardless of the cause of your disability or type of LTD coverage you have – private, group or mortgage disability – you may be legally entitled to continue receiving LTD benefits even though your insurer has told you differently.

Long-Term Disability policies exist to protect individuals who are unable to work due to a disability or illness by providing an income replacement benefit. If you are unable to work due to illness, accident, or injury for an extended period, you may qualify for long-term disability benefits through your insurer. A personal injury lawyer can help you access these benefits if your claims are being denied or if your benefits are cut off while you are still disabled or recovering.

Each Long-Term Disability policy is different. To qualify for Long-Term Disability benefits, you will have to meet the eligibility criteria as outlined in your policy. This will include meeting the definition of “disability” that is described in your policy.

Long-Term Disability Benefits
When you’ve filed your disability claim, your insurance company may give you the green light to receive your benefits. However, it is important to know that some insurance companies may terminate your benefits, stating that you now fall under a change in definition.

This term indicates that your situation has changed since you started receiving benefits. A two-year period is the general cut-off mark, signalling your switch from being unable to work “in his or her own occupation” to “any occupation.” The moment your benefits stop, you need to call our disability lawyers in Toronto, Ottawa, or Niagara, Ontario. It is not up to your insurance company to decide when your benefits end.

On the other hand, insurance companies can immediately reject your disability claim in certain circumstances. There are many injuries or illnesses that they still do not acknowledge as valid reasons for benefits, which can explain your claim’s denial. This is another instance when our disability lawyers are well-suited to step in. We have represented many people throughout Ontario who have struggled with their insurance companies.

Objective Evidence
When clients experience physical disabilities, it’s easier to see them. They will wear a cast, have markings on their skin, or walk with a cane. Medication, casts, photos, and walking aids are objective evidence of the disability.

When a disability is not evident, such as mental health and chronic pain, it’s harder to prove that an individual is suffering or incapable of working. Gluckstein’s disability lawyers are strategic in our approach and compassionate. We will explain your insurance policy and assist with any discrepancies and injustices, so you receive the compensation to which you are entitled.

An insurance policy should be something you can rely on, although it is not always the case. If you or a family member is unable to work due for an extended period due to an accident, illness, or injury, we recommend that you consult with a disability personal injury lawyer as soon as possible. A lawyer can help determine if you have a potential claim against your insurer and can advise you on how best to appeal if your claim is denied.

At Gluckstein Long-Term Injury Lawyers, we will consider all available remedies and decide upon the most appropriate course of action once we are retained and have sufficient information and evidence necessary to assess your disability claim.

Gluckstein Lawyers offers free consultations and can help you navigate through the complex area of Long-Term Disability law.


One moment in time can change a million after it. I never imagined that anything like this would happen to me; never mind deciding on who would be the right lawyer to represent me; is willing to fight with me, for happiness I seek once again; for what I believe to be right. I found that assurance in Gluckstein Personal Injury Lawyers.


The Gluckstein team was there for us every step of the way after our baby’s catastrophic birth injury. At one of the most difficult times of our lives, we were reassured by our lawyers’ deep knowledge and expertise as well as their genuine compassion for our family. They are truly amazing and we can’t recommend them enough!

The Jennings

The lawyers at Gluckstein were extremely helpful and supportive when I came to them with my case. They handled it very professionally and assertively and always had my best interests at the forefront of their actions. I am very pleased with the outcome and would recommend them to any of my friends and family.

Lindsey Dobben

We couldn’t be more satisfied with the support we got from the entire Gluckstein team following our daughters brain injury shortly after her birth. During a very trying time and after contacting numerous law firms with no response. Once Charles and the staff at Gluckstein took on our case we never looked back.

The Thomson Family

After the accident/injury, what next?

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The Life-Changing Impact of Posttraumatic Stress Disorder

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Trusted Expertise

Personal Injury has been our sole focus since 1962. We are an award-winning Top 10 Personal Injury law firm in Canada. Come meet the members of our team. We have offices in Toronto, Ottawa, and Niagara, Ontario.

Free Consultation

Personal Injury adds emotional and financial stress to you and your loved ones. We will recover compensation on your behalf so that you can focus on recovery. The initial meeting is free and without obligation on your part – and we never charge you legal fees until your claim is settled.