LTD Litigation
When they won't do the right thing, we take them to court.
Your insurer denied your claim or cut off your benefits. Appeals didn't work, or won't work fast enough. It's time to file a lawsuit. We handle everything.
$124k
Recovered
Denied based on surveillance footage. Challenged in discovery. Settled in 12 months.
What Changes
Filing a lawsuit shifts everything.
Right now, the insurer is in control. They set the rules, pick the doctors, and decide when to respond. Litigation changes the dynamic completely.
Before Litigation
The insurer controls the timeline. They decide when to respond, when to review, when to request more documents.
They pick the doctors. Their "independent" medical examiners are selected and paid by the insurance company.
Your evidence gets ignored. They acknowledge receiving it, then deny your claim anyway.
They're betting you'll give up. The process is designed to exhaust you into accepting their decision.
After Litigation
A judge controls the timeline. The insurer responds by court-imposed deadlines, not whenever they feel like it.
Their adjusters testify under oath. They have to explain and defend every decision they made on your file.
Every document gets disclosed. Internal emails, claims notes, decision rationales. All of it comes out.
They face real consequences. Bad faith damages, legal costs, and the kind of scrutiny they've been avoiding.
Is This You?
Litigation may be right for you if any of this sounds familiar.
Your LTD claim was denied and the internal appeal failed, or isn't worth pursuing.
Your benefits were terminated after the 24-month "change of definition" and you disagree with the insurer's decision.
Your insurer is acting in bad faith. Delaying, ignoring evidence, or applying your policy unfairly.
You were sent to a biased IME doctor who said you could work, despite what your own doctors say.
Your insurer offered a lowball lump-sum settlement and you believe you're owed more.
You've been dealing with this for months and nothing is moving forward.
If any of these sound familiar, a case review will tell you exactly where you stand.
What's At Stake
What litigation can recover for you.
A successful lawsuit doesn't just get your benefits back. It holds the insurer accountable for what they put you through.
Back-pay
Every dollar of benefits you should have been paid from the date of denial or termination to the present.
Ongoing monthly benefits
Reinstatement of your monthly LTD payments going forward, potentially through age 65 depending on your policy.
Interest
Pre-judgment and post-judgment interest on all unpaid benefits. The longer they delayed, the more they owe.
Bad faith damages
If the insurer acted unreasonably, ignored evidence, or used delay as a tactic, the court can award additional damages on top of your benefits.
Legal costs
In many cases, the insurer is ordered to pay a portion of your legal costs. Their decision to deny you costs them, not you.
The exact recovery depends on your policy, the length of the denial, and the insurer's conduct. We'll walk you through the numbers during your consultation.
The Process
How a lawsuit actually works.
Most people have never been through a lawsuit. Here's exactly what happens, and what we handle for you at every stage.
We review your case.
We review your case.
Before anything is filed, we go through your policy, your medical records, the denial letter, and everything the insurer has sent you. We identify exactly where they went wrong and build our strategy.
Statement of Claim.
Statement of Claim.
We draft and file a formal legal claim in the Ontario Superior Court of Justice. This document lays out every way the insurer breached your policy and acted improperly. Once it's filed, the insurer has to respond.
Examinations for Discovery.
Examinations for Discovery.
We question the insurer's claims adjuster and decision-makers under oath. They have to explain and defend every decision they made on your file. This is often where the cracks in their case start to show.
Mediation.
Mediation.
Both sides sit down with a neutral mediator to negotiate a resolution. This is where most cases settle. The insurer is now facing the full weight of the evidence and legal arguments we've built. We don't accept unfair offers.
Trial, if needed.
Trial, if needed.
If the insurer won't offer what your case is worth, we go to trial. A judge reviews all the evidence and makes a binding decision. Back benefits, ongoing payments, interest, and where applicable, damages for bad faith.
Throughout this entire process, you focus on your health. We handle the legal work, the deadlines, and the communication with the insurer.
Litigation Results
What happens when we take insurers to court.
$124,000
Settlement
Denied based on surveillance footage. We filed suit, challenged the footage in discovery, and proved it told a fraction of the story.
Resolved in 12 months
$87,000
Restored
Benefits terminated at the 24-month mental health limitation. Litigation forced Sun Life to confront the medical evidence they had been ignoring.
Resolved in 8 months
Full Benefits
Back-Pay + Ongoing
Benefits cut off prematurely during ongoing treatment effects. After filing a claim, Manulife agreed to full reinstatement before discovery.
Resolved in 4 months
$0
Litigation costs you nothing upfront.
Every case we take is on contingency. We take on the financial risk because we believe in the cases we accept. If we don't win, you owe us nothing.
Why people trust us with this.
No fee unless we win.
We work on contingency. Nothing upfront. No retainer. No hourly fees. We take on the financial risk because we believe in the cases we accept.
You talk to your lawyer. Always.
The person who handles your case is the person you talk to. Not rotating associates. Not a call center. The same lawyer, every step of the way.
We don't push you to settle early.
Some firms pressure clients to accept the first offer so they can close the file. We tell you what we think it's worth and let you decide. If the offer isn't fair, we keep going.
Common Questions
Your questions about litigation, answered.
Still have questions? This is a big decision. We'll talk it through. No pressure.
(289) 210-9449Ready to take this further. So are we.
Most cases settle once the insurer sees you're serious. A conversation is the first step.
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