LTD Claims by Insurer
We know every insurer's playbook.
Every insurance company has its own tactics for denying and terminating long-term disability claims. We know how each one operates.
Why This Matters
Every insurer denies claims the same way. The details are where we win.
All insurance companies use the same core tactics: biased IMEs, surveillance, excessive documentation requests, and the 24-month "change of definition" switcheroo. But each insurer has its own patterns — and knowing those patterns is the difference between a good case and a winning one.
Sun Life terminates more claims at the 24-month mark than anyone. Manulife invests heavily in surveillance. Canada Life buries you in paperwork. When you hire us, you're hiring a firm that has already fought your specific insurer — and knows their playbook inside out.
That's why we don't just practice disability law. We study each insurer the way a coach studies the other team's game film. By the time we file your case, we already know what they're going to do — and we've planned for it.
Don't see your insurer?
We've handled claims against virtually every group benefits carrier in Ontario — from the major insurers listed above to smaller carriers and employer-sponsored plans. If your LTD claim was denied, we can help.