Long-term Disability (LTD)
If you are unable to work due to illness, injury, or chronic pain, long-term disability (LTD) insurance can provide financial support. Unfortunately, many people face LTD denial from their insurance company at a time when they need help the most. That is where Singer Kwinter can help.
We know how overwhelming and stressful it can be to fight against an insurance company while you are also coping with a health condition.
What is Long-Term Disability Insurance?
Long-term disability insurance provides income replacement if you are unable to return to work for an extended period due to a medical condition. This may include physical injuries, mental health conditions, or illnesses that prevent you from carrying out your employment duties. Common reasons for LTD claims include:
Chronic pain conditions (such as fibromyalgia or degenerative disc disease)
Severe injuries from accidents
Mental health challenges such as depression and anxiety
Autoimmune diseases and neurological disorders
Why LTD Claims Are Denied
Even if you have a valid insurance policy and supportive medical evidence, insurance companies frequently deny LTD benefits. Common reasons for denial include:
Claims that your condition is not “severe enough”
Disputes over whether you can work in a different occupation
Allegations of insufficient medical documentation
A denial does not mean the end of your case. At Singer Kwinter, we know how to challenge these decisions and pursue the benefits you are rightfully entitled to.
Our Experience and Service Areas
Singer Kwinter has been recognized as a leader in personal injury and insurance litigation across Ontario, with a strong presence in Toronto. Our long-term disability lawyers have successfully represented clients against major insurance companies and secured compensation that helps them rebuild their lives.
We serve clients throughout Ontario, including the following cities:
Toronto
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Mississauga
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Hamilton
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Ottowa
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London
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Toronto 📍 Mississauga 📍 Hamilton 📍 Ottowa 📍 London 📍
No matter where you are in Ontario, Singer Kwinter is ready to help you navigate your LTD claim.
Get your free consultation.
Contact Singer Kwinter today for a free consultation. We will review your LTD claim, explain your options, and fight to secure the benefits you deserve.
Awards and Recognition
When choosing a long-term disability lawyer, results matter. Singer Kwinter has been consistently recognized for excellence in litigation and advocacy. Our achievements reflect not only our skill but also our commitment to justice for clients facing unfair treatment from insurance companies.
Recognized Leaders in the Field
Singer Kwinter has over 50 years of experience handling insurance and disability claims.
Shane Katz has been consistently ranked for personal injury litigation in the Best Lawyers in Canada, and Alfred Kwinter is a Certified Specialist in Civil Litigation, a designation granted by the Law Society of Ontario to lawyers who demonstrate exceptional competence and expertise.
Notable LTD and Insurance Victories
Our firm has represented clients in landmark cases that shaped the law on disability and insurance benefits in Ontario. These cases have not only secured compensation for our clients but also strengthened protections for policyholders across the province.
Examples include:
Winning benefits for clients suffering from chronic pain, even when insurers initially denied their claims.
Successfully challenging LTD denials based on mental health conditions where insurers attempted to minimize the impact of psychiatric illnesses.
Achieving significant settlements against some of Canada’s largest insurance companies.
Commitment to Clients
At Singer Kwinter, we treat every LTD client with compassion and respect. We understand the financial and emotional toll of a disability and an insurance denial. Our approach is client-focused:
Clear communication at every step of the process.
Aggressive advocacy when insurers refuse to pay.
Proven results that make a real difference in our clients’ lives.
Why Choose Singer Kwinter for Your LTD Claim?
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Experience
Decades of success in LTD and insurance litigation.
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Results
A history of landmark decisions and significant settlements
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Recognition
Consistently ranked among the best personal injury and insurance lawyers in Canada.
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Compassion
We understand the personal challenges behind every LTD case.
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Accessibility
Serving clients across Ontario, with strong roots in Toronto.
Take the Next Step
If your long-term disability claim has been denied, or if you are preparing to apply for LTD benefits, you do not have to face the process alone. Let the experienced long-term disability lawyers at Singer Kwinter advocate for you.
Contact Singer Kwinter today for a free consultation. We will review your LTD claim, explain your options, and fight to secure the benefits you deserve.
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A long-term disability lawyer helps you navigate disputes with your insurance company when your LTD claim is denied, delayed, or terminated. At Singer Kwinter, our LTD lawyers represent clients across Ontario, ensuring insurance companies honor their obligations under your long-term disability insurance policy
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Insurance companies often deny LTD benefits by arguing that your condition is not severe, that you can still work in another occupation, or that your medical evidence is insufficient. Many denials are unfair. Our long-term disability lawyers in Ontario are skilled in challenging LTD denials, especially for conditions like chronic pain, depression, or fibromyalgia.
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Most LTD policies have strict timelines for appeals, often 90 days from the date of the denial. Missing these deadlines can affect your case. At Singer Kwinter, we recommend contacting one of our lawyers as soon as you receive a denial letter to protect your rights.
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Yes. Singer Kwinter represents LTD clients throughout Ontario. Whether you live in Mississauga, Ottawa, Hamilton, London, or a smaller community, our Ontario long-term disability lawyers can help you with your claim.
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Common qualifying conditions include:
Chronic pain syndromes (e.g., fibromyalgia, arthritis, back injuries)
Mental health conditions such as depression, anxiety, PTSD
Neurological and autoimmune disorders
Cancer and other serious illnesses
If your medical condition prevents you from working, you may be entitled to LTD benefits under your policy.