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Long-Term Disability Lawyer in Toronto

Has your long-term disability claim been denied or delayed? Lang Lawyers, a trusted Toronto LTD lawyer, fights insurers, protects your income, and works on contingency. No upfront fees. Book a free consultation today and understand your rights now clearly.

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Protecting Your Right to Long-Term Disability Benefits

Long-term disability benefits are often the financial backbone and safety net for individuals who cannot work due to illness or injury. When your benefits are denied or cut off, the impact goes far beyond paperwork, because suddenly, mortgage payments, family responsibilities, and medical expenses can quickly turn from regular expenses to existential sources of stress and uncertainty, and your entire livelihood could be at stake.

Professional legal representation can become critical when you’re dealing with a disability insurance claim. Insurance policies are complex, deadlines are strict, and insurers are not obligated to put your well-being first; they will protect their bottom line whenever they can. A long-term disability lawyer can help you protect your financial security, manage communication with the insurance company, and build a strategy focused on your long-term protection rather than short-term fixes.

At Lang Lawyers, our goal is to reduce stress while protecting your right to ongoing disability benefits.

Protecting Your Right to Long-Term Disability Benefits

Our Long-Term Disability Legal Services

Here at Lang Layers, we provide comprehensive, end-to-end legal services for long-term disability claims. So, whether you are facing an initial LTD claim denial or a benefits termination after years of coverage, we manage every aspect of the process. ​ Our services include handling LTD claim denials, preparing and submitting appeals, responding to insurer requests, addressing insurance company disputes, and pursuing litigation when required. From the first consultation through the final resolution, we will be your advocate and point of contact to ensure nothing gets lost in translation. LTD claims are the core of our practice, and we treat each one as if it were our own.
LTD Claim Denials & Appeals

LTD Claim Denials & Appeals

An LTD claim denial is not the end of the road, but it does require immediate and strategic action. Insurance policies impose strict appeal deadlines, and missing them can permanently affect your rights, which is one reason these applications and appeals are so challenging. ​ We review denial letters, analyze policy terms, and identify the insurer’s stated reasons for refusing benefits. Our team coordinates medical evidence documentation, expert reports, and written submissions to support your disability insurance claim. Every appeal is prepared with a clear strategy in mind, designed to address insurer concerns and strengthen your position when you need it most.
Terminated or Cut-Off Disability Benefits

Terminated or Cut-Off Disability Benefits

We often receive calls from clients after their disability benefits have been terminated, sometimes years after approval. Insurers usually justify terminations by claiming insufficient medical evidence, improved condition, or a change in the definition of disability. ​ Lang Lawyers has extensive experience reinstating long-term disability benefits wrongfully terminated. We understand all the common insurer tactics and know how to challenge them effectively using medical records, specialist opinions, and legal precedent, so your insurance can’t just bully you out of your deserved benefits.
Disability Claims for Mental & Physical Conditions

Disability Claims for Mental & Physical Conditions

Long-term disability claims can come from a wide range of conditions. We represent clients with physical injuries, chronic illness, disability, and mental health disability claims, including conditions that may not be outwardly visible, which often are the hardest to prove to insurers. ​ Mental health disability claims and chronic conditions often face added scrutiny from insurers. This is where our compassionate, evidence-driven approach comes into play: we work closely with healthcare providers to ensure your condition is clearly documented and presented.
Insurance Company Disputes & Bad Faith Claims

Insurance Company Disputes & Bad Faith Claims

When an insurance company acts unfairly, delays decisions, or ignores medical evidence, we will pursue legal action. We handle insurance company disputes involving unreasonable denials, ongoing delays, and bad faith conduct to ensure your rights are fully protected. ​ Our focus is on accountability. We will pursue all appropriate legal remedies to protect you and ensure insurers meet their contractual and legal obligations.
Are you looking for someone to help?

Request a Free Long-Term Disability Consultation

When your ability to earn an income is on the line, timely legal support can make all the difference. Lang Lawyers offers experienced, compassionate, and results-driven representation for long-term disability claims in Toronto and across Ontario.

If your disability benefits have been denied, terminated, or delayed, reach out today. A free consultation can deliver understanding, direction, and peace of mind as you move forward with confidence.

Our 4-Step Legal Process

We believe transparency matters, especially during an already stressful time. Our legal process is designed to be transparent, efficient, and results-focused.

Free Consultation & Case Review

Your first step is a confidential, no-obligation consultation. During this initial meeting, we will assess your eligibility for long-term disability benefits, review policy terms, and discuss all available legal options. This initial conversation helps you understand where you stand and how we can help.

Evidence Collection & Claim Strategy

Strong cases are built on substantial evidence, so we will gather medical records, functional assessments, and expert opinions to support your claim. Each case is supported by a strategy specifically tailored to your individual situation that is consistent with your policy requirements and medical reality.

Negotiation or Legal Action

We will engage directly with the insurance company through negotiation when appropriate, so you don’t have to deal with the hassle. If negotiations fail or the insurer remains unreasonable, we are fully prepared to initiate legal proceedings to pursue the benefits you are owed.

Resolution & Ongoing Support

Our work does not end at approval or settlement. We will continue to provide you with guidance and support throughout the claim period so that you can navigate reviews, policy changes, and future insurer requests.

Benefits of Hiring a Long-Term Disability Lawyer

Hiring a long-term disability lawyer comes with several strong advantages when dealing with insurers, including:

  • Improved chances of success on denied or terminated claims
  • Relief from ongoing insurer pressure and communication
  • Strategic handling of medical evidence documentation
  • Protection against unfair insurance practices
  • Maximization of long-term disability benefits

Why Clients Choose Lang Lawyers

Clients choose Lang Lawyers because we focus exclusively on disability law and always put client interests first. As a top rated long term disability lawyer, we understand how personal these cases are. Every file is handled with care, professionalism, and determination, recognizing that each situation is unique and you already have enough to manage during a difficult time.

  • Experienced & Specialized Disability LawyersOur practice is dedicated to long-term disability law and insurer disputes. This focused experience allows us to anticipate insurer arguments and respond effectively. Learn more about our firm by visiting our homepage.
  • No Upfront CostWe firmly believe that legal help should be available to everybody, which is why we offer contingency-based representation, meaning there is no upfront cost to hire us. Legal fees are only payable if we secure benefits or compensation on your behalf. Book a free case evaluation to get started.
  • Personalized Legal SupportYou will always work directly with your lawyer and be gatekept by other staff. We pride ourselves on our clear, timely, direct communication throughout your case. We take the time to understand your situation and provide fully personalized, ongoing support.

Proudly Serving Toronto & Surrounding Communities

Lang Lawyers also provides long-term disability legal services to clients in Mississauga, Brampton and Vaughan.

Frequently Asked Questions About Long-Term Disability Claims

​What are long-term disability benefits, and how do they work?

Long-term disability benefits provide income replacement when you are unable to work due to illness or injury. Coverage terms depend on your policy and often require ongoing medical evidence.

What should I do after an LTD claim denial?

An LTD claim denial should be reviewed promptly by a lawyer. Appeal deadlines are strict, and early legal guidance improves your ability to challenge the decision effectively.

Can I dispute my insurance company’s decision?

Yes. An insurance company dispute can be addressed through internal appeals, negotiation, or legal action if the insurer acts unreasonably or in bad faith.

How are mental health and chronic illness disability claims handled?

Mental health disability claims and chronic illness disability cases require thorough medical evidence documentation. A lawyer helps present these conditions clearly and persuasively.

Is there really no upfront cost to hire a long-term disability lawyer?

Yes. Our no-upfront cost model means you only pay legal fees if your case is successful, reducing financial risk during an already difficult time.

testimonial

Words From Clients

  • Josh Lang is a very professional and courteous lawyer whose expertise got me a fair settlement for my LTD claim within a year from start to finish. He is very knowledgeable in this area and I feel he was the best choice for my case. Josh was available to answer all my questions whenever they arose. His availability was paramount in me feeling comfortable with him. He really set my mind at ease from the beginning. Thank you Josh,

    J.R. Guelph, Ontario Reviewer
    J.R.
    Guelph, Ontario
  • Josh, thank you for your expertise, guidance and empathy during this very trying experience. The thought of being in this situation never crossed my mind while I waited for the ambulance, or while waiting for the emergency doctor, but when I saw the X-ray, I realized that this would change my life forever. You handled all aspects of my claim and left me to only worry about recovering. You touched base with me as needed just enough to provide status and check on my recovery. You explained all the steps along the way and made recommendations. Thank you for your professional knowledge, kindness and empathy.

    S.M.Alliston, Ontario Reviewer
    S.M.
    Alliston, Ontario
  • Mr. Aaron Lang, I would like to thank you very much for your service. When I had my L.T.D benefits unfairly taken away from me by my Insurance company, I didn’t know what to do. When I met with you on the first consultation you gave me the confidence to not walk away but that I had the right to fight back against them. Within the matter of one year you were able to collect all the evidence from various doctors and got the Insurance company to mediate. I was able to walk away with a settlement from the Insurance company. Now my family and I can finally go on with our lives. Once again thank you Sir for all your help.

    Brian Reviewer
    Brian
    Ontario
  • After sustaining a severe shoulder injury in a fall, I tried to find a law firm who would help me to get compensation from my landlord in Sudbury, Ontario.

    For several months, I spoke with various lawyers in Sudbury and Toronto, but none of them wanted to work with me on a contingency basis to pursue my claim. I highly recommend Aaron’s services to anybody who is in a difficult injury situation. Aaron Lang went to bat for me when nobody else would, and we won. Thanks, Aaron!

     

    Dr. G. J. D.C., C.C.R.D.
    Anthony B
    Sudbury Ontario
  • I am truly gratified with the services Mr. Lang has provided us with. He went out of his way for us and proved his hard work and dedication, we are always welcomed with a positive and enthusiastic attitude and we appreciate his exceptional support.

    Dr. G. J. D.C., C.C.R.D.
    M.A
  • I want to take the opportunity to thank you for the professional manner in which you handled my claim. I appreciated your patience and expertise in dealing with all aspects of the case.

    Over the years I had occasion to work with several different lawyers, and I can say without a doubt that I will not hesitate to use your services again or to refer clients to you.

    Dr. G. J. D.C., C.C.R.D.
    Dr. G. J. D.C., C.C.R.D.
  • Looking for help with my CPP disability case and I came across Aaron Lang’s web site. It was very informative and as a result I made an appointment for a free consultation. Aaron was straight forward, informative and very down to earth when explaining the complete process. I finally found someone I could trust and hired him that afternoon. I’m glad I did, he made the whole process stress free and kept me up to date on everything. Needless to say, he did win my case. Thank you for everything Aaron

    Dr. G. J. D.C., C.C.R.D.
    R.J
  • I would highly recommend Aaron Lang to anyone who is need of help in fighting a disability claim.
    Fighting for your disability claim is bad enough but doing so while sick is impossible.This is where Mr. Lang shows his expertise in dealing with these matters. I firmly believe I would not have won my claim without him in my corner. I was able to talk to him anytime and he would listen patiently and he would always have an answer for me. Aaron is a very professional lawyer who knows what needs to be done and does so with kindness and compassion.

    Dr. G. J. D.C., C.C.R.D.
    L.R
  • I would highly recommend Mr. Lang as your long-term disability lawyer. I have been fighting with the insurance company for a couple years trying to convince them I could not work at any job. I suffer from debilitating low back and sciatic pain and even though I had all the doctors on my side and CPP gave me benefits, the insurance company cut my monthly payments off. Within one year of hiring Mr. Lang to represent me, the insurance company offered me a lump sum which I was very satisfied with or I could be reinstated my monthly payments by the insurance company. Thank you, Mr. Lang, for standing up for me and my rights.

    Dr. G. J. D.C., C.C.R.D.
    R.M.
  • Thanks to you and Lang Lawyers for your effort and support with respect to the settlements in my three cases. Having to make my employer and insurance companies financially accountable was a first for me and for my family so having a lawyer whom we could trust was imperative. At every turn, I felt that you were working in my best interest. Thank you.

    Please feel free to offer any future client’s my contact information in order to provide a reference.
    Thanks, and best wishes always to you and your family.

    Dr. G. J. D.C., C.C.R.D.
    B. P.
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