Blog

Disability law, explained.

Plain-language articles about LTD claims, insurer tactics, your rights, and what to do when benefits are denied.

Denials

Long-Term Disability Denied in Ontario: What To Do Next

Your denial letter is not the final word. Here's what it actually means and the steps you should take.

Amir Mirza · February 20268 min read

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Your Rights

Can You Sue Your Insurance Company for Denying Disability Benefits?

Yes — and it's more common than you think. Here's what suing your insurer actually looks like.

Amir Mirza · February 20266 min read

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Mental Health

Depression and LTD: Why Mental Health Claims Get Denied

Mental health is the #1 cause of disability claims in Ontario — and the most denied. Here's why.

Amir Mirza · February 20267 min read

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Process

The 24-Month Cutoff: What Happens When Your LTD Policy Switches

The most common reason benefits get cut off — and most people don't see it coming.

Amir Mirza · February 20267 min read

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Costs

How Much Does a Disability Lawyer Cost in Ontario?

The short answer: nothing upfront. Here's exactly how contingency fees work.

Amir Mirza · February 20265 min read

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Insurers

What Is an IME? Why Your Insurer's 'Independent' Exam Isn't Independent

Despite the name, these exams are not independent. Here's what you need to know.

Amir Mirza · February 20266 min read

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Chronic Pain

Fibromyalgia and Disability Insurance: Fighting an Invisible Condition

There's no blood test for fibromyalgia — and insurers use that against you. Here's how to fight back.

Amir Mirza · February 20267 min read

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Your Rights

Social Media and Your Disability Claim: What You Need to Know

Yes, your insurance company is watching your social media. Here's how to protect yourself.

Amir Mirza · February 20265 min read

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Denials

What to Do in the First 48 Hours After Your LTD Denial

The first 48 hours matter more than you think. Here's exactly what to do — and what not to do — right after your disability claim is denied.

Amir Mirza · February 20269 min read

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Process

Should You Accept Your Insurer's Lump-Sum Settlement Offer?

Your insurer just offered you a lump sum to close your file. Before you sign anything, read this.

Amir Mirza · February 20268 min read

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Costs

Tax Implications of Disability Settlements in Ontario

Is your disability settlement taxable? The answer depends on who paid your premiums — and how the settlement is structured.

Amir Mirza · February 20267 min read

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Insurers

What Is Bad Faith Denial? When Your Insurer Crosses the Line

Not every denial is bad faith — but when your insurer ignores evidence, delays on purpose, or misleads you, the law calls that something else entirely.

Amir Mirza · February 20268 min read

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Your Rights

Disability Benefits and Divorce in Ontario: What You Need to Know

Going through a divorce while on disability benefits? Here's how separation affects your LTD claim — and what to protect.

Amir Mirza · February 20267 min read

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Process

Why You Should Never Do Your Own LTD Appeal

It feels like something you can handle yourself. Here's why that instinct almost always backfires.

Amir Mirza · February 20268 min read

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