Long Term Disability Benefits

If your long term disability (LTD) benefits have been delayed, denied, or terminated, you are not alone- and you’re not without options. At K. Miller Law, we help individuals across Ontario fight back when insurance companies fail to uphold their promises.

What Are Long Term Disability Benefits?

LTD benefits are designed to provide income replacement when a serious illness or injury prevents you from working. Whether your disability is physical, psychological, or a combination of both, you may be entitled to receive monthly payments under your group or private insurance policy.

But the reality is, insurers often deny legitimate claims- sometimes without proper investigation, medical evidence, or explanation.

Common Reasons LTD Claims Are Denied

Insurance companies may deny or stop benefits for a number of reasons, including:

“Insufficient medical evidence”
“You’re not totally disabled”
“You can do another type of job”
“Your condition is mental, not physical”
“You didn’t meet the deadline”
“You failed to attend an independent medical exam”

We have seen it all- and we know how to respond.

How We Can Help

At K. Miller Law, we:

Review and challenge claim denials
Negotiate settlements with insurers
Advocate for you at mediation and Court
Ensure you understand your rights and options every step of the way

You have already done the hard part: coping with a life-changing condition. Let us take on the insurance company so you can focus on your recovery.

No Upfront Legal Fees

We work on a contingency fee basis for LTD cases. That means you pay nothing unless we recover money for you. Simple as that.

Get a Free Consultation

If your LTD benefits have been denied or cut off, contact us for a free, confidential consultation. We will review your situation and let you know how we can help- no pressure, no obligation.

📍 Serving clients across the Greater Toronto Area and throughout Ontario.

How Else We Can Help

Whether you are facing a denied disability claim or terminated benefits, we’re here to fight for your rights and ensure you get the support you deserve.

We Serve Ontario

At K. Miller Law, we represent employees across Ontario, providing trusted legal guidance no matter where you are.

With the ability to connect remotely, we ensure that location is never a barrier to receiving strong legal representation.

Whether you are in a bustling city or a smaller community, we are committed to advocating for your rights and securing fair outcomes. Here are just a few of the areas where we have assisted employees in resolving workplace disputes.