LTD Claims by Condition
Your condition is real. We prove it.
Insurance companies deny claims for conditions they can't see on an X-ray. We specialize in building the medical, functional, and legal evidence that forces them to pay.
Mental Health
The most denied category of LTD claims in Ontario. Insurers call these conditions 'subjective' — we prove they're disabling.
Pain & Musculoskeletal
Insurers love surveillance for pain claims — one video of you carrying groceries and they'll argue you're fine. We know how to fight that.
Neurological
Brain and nervous system conditions that insurers routinely underestimate — especially when standard imaging looks 'normal.'
Fatigue & Autonomic
Conditions that leave you unable to function but look 'fine' from the outside. Insurers exploit the invisibility. We don't let them.
Autoimmune & Inflammatory
Flare-based conditions where insurers deny you during remission and question you during flares. We document the full picture.
Cancer-Related
Remission doesn't mean recovery. Treatment side effects can disable you for years — and insurers will try to cut you off the moment you're 'cancer-free.'
Don't see your condition?
We handle LTD claims for virtually every medical condition — including rare diagnoses, multi-system conditions, and cases where you haven't received a clear diagnosis yet. If your insurer denied you, we can help.