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.
Short Term Disability Benefits
We are here to help you secure the support you deserve.
Critical Illness
Facing a critical illness & need assistance with your insurance claim? We are here to assist.
Canada Pension Plan Disability Benefits
We are here to make sure you receive the benefits you are eligible for.
Mortgage Insurance
Struggling to secure mortgage disability benefits? Let K. Miller Law advocate for your rightful coverage.
Life Insurance
Life insurance policies are complex. Let us review your case and fight for your entitlements.
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.
Here are just a few of the areas where we have assisted employees in resolving workplace disputes.
Toronto
Ottawa
Mississauga
Brampton
Hamilton
London
Markham
Thornhill
Vaughan
Kingston
Sudbury
Oshawa
Barrie
Thunder Bay
Windsor
Kitchener
Guelph
Cambridge
Whitby
Burlington
Ajax
Richmond Hill
Oakville
Milton
Pickering
Waterloo
Sault Ste. Marie
Chatham-Kent
Niagara Falls
Newmarket
Aurora
North Bay
Belleville
Brantford
Orillia
Kawartha Lakes
St. Catharines
Stratford
Woodstock
Sarnia
Orangeville
Timmins
Stouffville
Brockville
Welland
Huntsville
Owen Sound
Parry Sound
Bradford
We got you covered
Whether you are facing an employment dispute or experience challenges with your disability claim, we are here to advocate for you.
Get Started with a Free Consultation
Have questions about your legal rights? We’re here to help!
Fill out the free consultation form and we will get back to you as soon as possible.
Let’s discuss your case and explore your options together- no obligation, just clarity.