Filing Your LTD Claim
Most denied claims started with an incomplete application.
Insurance companies review your application looking for reasons to say no. Vague wording, gaps in your medical records, answers that don't quite line up. If they find something, they use it. And the forms themselves are designed to make that easy for them.
What Actually Happens
You file honestly. They deny you anyway.
Here's what usually happens. You get the forms from your insurer. You fill them out honestly, describe your symptoms as best you can, attach whatever your doctor gave you. You send it in. And then you wait.
"We have determined that your claim does not meet the definition of total disability. The medical evidence provided is insufficient to support your claim."
A few weeks later you get a letter like that. The reasons are vague. Something about "insufficient medical evidence" or your symptoms being "self-reported." You read it three times and still can't figure out what you were supposed to do differently.
The answer, usually, is that nothing you could have done on your own would have changed the outcome. The forms are structured so that honest, straightforward answers become the insurer's evidence that you're not disabled enough. That's not a flaw in the system. It's how the system was built.
How the Application Works Against You
What you write. What they read.
The same honest answer means two completely different things depending on which side of the desk you're on.
The Form Asks
“Can you perform light household tasks?”
You Answer
“Yes, I can sometimes make breakfast on a good day.”
The Insurer Writes
“Claimant reports ability to perform activities of daily living without assistance. Functional capacity observed.”
The Form Asks
“How would you describe your symptoms?”
You Answer
“Some days are worse than others. I have good days and bad days.”
The Insurer Writes
“Symptom variability noted. Claimant acknowledges periods of improved functionality consistent with part-time work capacity.”
The Form Asks
“Are you currently receiving treatment?”
You Answer
“Yes, I take medication and see my doctor every month.”
The Insurer Writes
“Conservative treatment only. No evidence current treatment plan is insufficient to manage condition for workplace re-entry.”
That's why the way your claim gets filed changes everything.
What We Actually Do
Here's exactly what happens when you call.
You tell us what happened.
We look at your policy, your medical situation, and what the insurer has (or hasn't) said. By the end of the call you'll know where things stand and what the options are.
We build the medical evidence.
We work with your doctors to put together the documentation the insurer is going to demand. Specialist reports, clinical records, functional capacity evidence.
We prepare and file the claim.
Every form, every letter, every document. We review each answer for the traps insurers set in their own paperwork. Nothing gets submitted until it's built to withstand scrutiny.
We handle whatever comes back.
The insurer's response, the follow-up requests, the delays. That part is ours. You go to your doctor appointments and focus on your health.
60%+
of legitimate LTD claims in Ontario are denied on the first filing.
Most of those denials started with an application the insurer designed for you to lose.
Conditions We File For
The conditions insurers deny most often.
If your condition doesn't produce a clear test result or a visible injury, the insurer will use that as their reason. We know how to file these claims so that reason doesn't hold up.
Depression & anxiety
The most commonly denied category. We know what documentation they demand.
PTSD & trauma
Your trauma didn't come with an expiration date.
Bipolar disorder
Cycling conditions confuse insurers. They treat your good days as proof you're fine.
Burnout & chronic stress
Not a character flaw. A legitimate medical condition.
Don't see your condition? If your disability prevents you from working, we can help.
Protect Your Claim
What most people do. What actually works.
Underreport your symptoms to avoid sounding like you're exaggerating.
Document the full impact on your worst days with specific examples your doctors can support.
Fill out the insurer's forms at face value, answering questions as asked.
Treat every question as a potential trap. Frame answers around limitations, not abilities.
Attach a short letter from your family doctor saying you can't work.
Build a medical evidence package: specialist reports, clinical records, functional capacity assessments.
Submit and wait for a response, assuming the process is fair.
File proactively with documentation that addresses the insurer's denial patterns before they use them.
If denied, file an internal appeal with the same insurer.
Get legal help before the internal appeal. These almost never work and they burn time on the clock.
Why people trust us with this.
No fee unless we win.
We work on contingency. Nothing upfront. No retainer. No hourly rate. If we don't recover benefits for you, you owe us nothing.
You talk to your lawyer.
Not intake staff. Not a paralegal running through a checklist. When you reach out, you talk to the person who will actually handle your case.
Responsive.
You're not going to wait days for a callback. You'll hear from us quickly and know exactly where you stand.
Your Questions, Answered
Questions you probably have.
Still have questions? No pressure, no obligation.
(289) 210-9449If you're not sure where to start. That's normal.
Most people who reach out to us didn't know exactly what they needed. They just knew something wasn't right.
Responsive