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.

Our Team

Our team is committed to providing dedicated, strategic, and client-focused legal representation, ensuring every client receives the attention and advocacy they deserve.

Meet Katerina

Katerina Miller- Employment & Disability Lawyer

Katerina Miller is a Toronto employment & disability lawyer known for her relentless advocacy in workplace disputes and denied disability claims. With extensive experience in both fields, she is dedicated to protecting her clients’ rights and achieving the best possible outcomes.

Katerina earned her law degree in 2012 with Dean’s List recognition. Since being called to the Ontario Bar in January 2020, she has successfully represented clients before various courts and tribunals.

Before founding K. MILLER LAW, Katerina built a strong reputation at a leading Toronto firm, known for her tenacity, professionalism, and client-focused approach.

Fluent in English, Hebrew, Ukrainian, and Russian, she connects effortlessly with clients from diverse backgrounds, ensuring they feel heard, understood, and empowered.

At K. MILLER LAW, Katerina provides strategic, results-driven representation, guiding clients through complex legal challenges with unwavering commitment and care.

Meet Eli

Eli Penner- Paralegal

Eli Penner is a Paralegal at K. MILLER LAW who focuses on employment law, with a particular emphasis on wrongful terminations, constructive dismissals and terminations both with and without cause. He brings dedicated advocacy and a detail-oriented approach to the firm, ensuring clients’ rights are protected during challenging workplace disputes.

Eli holds an undergraduate degree with honors in religious studies, graduating Cum Laude. This academic background honed his strong analytical, research, and critical thinking skills. He furthered his legal education by completing a comprehensive two-year paralegal program in Ontario and successfully earning his provincial license.

In addition to working with K. MILLER LAW, Eli manages his own paralegal practice, where he represents clients in Provincial Offences Act (POA) matters and appeals, as well as navigates complex disputes before the Landlord and Tenant Board and Small Claims Court.

Fluent in speaking, reading, and writing both English and Hebrew, Eli connects effortlessly with clients, ensuring they feel supported, heard, and thoroughly informed throughout their legal journey.

At K. MILLER LAW, Eli provides steadfast support and strategic, results-driven representation, working tirelessly to achieve positive outcomes for those he represents.

Meet Kate

Kate Spuziak- Legal Assistant

Kate Spuziak is a Legal Assistant at K. MILLER LAW who supports the firm’s legal and administrative operations with a strong focus on organization, efficiency, and client service.

With a multidisciplinary background in business operations, marketing, and accounting, she brings a well-rounded skill set that contributes to the smooth functioning of the firm and the overall client experience.

Kate holds a Bachelor’s degree in Management of Innovation Activity, with an academic focus on improving operational efficiency and supporting innovative business practices. Her education and professional experience allow her to approach tasks with both analytical thinking and practical problem-solving skills.

Fluent in English, Spanish, Russian, and Ukrainian, and currently learning French, Kate brings strong communication skills and a global perspective to her work.

Prior to joining K. MILLER LAW Kate gained experience in marketing and administrative support roles, assisting with communications, documentation, branding initiatives, and business operations across different industries.

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.