Protecting your right to benefits when you need them most.
LONG TERM DISABILITY (LTD)
LTD CLAIMS
A long-term disability can disrupt every aspect of your life—your health, your financial stability, and your sense of security. Disability insurance is meant to provide protection during these difficult times, offering income support when you are unable to work due to illness or injury.
However, securing those benefits is not always straightforward. Insurers may delay, deny, or limit valid claims, adding unnecessary stress to an already challenging situation. At the same time, you may be facing increased expenses for treatment, rehabilitation, and ongoing care.
At Broadbent Law, we help clients navigate the complexities of long-term disability claims with clarity and confidence. From interpreting policy language to communicating directly with insurers, we advocate on your behalf to protect your rights and pursue the benefits you are entitled to.
iMPORTANT Considerations
Limitations Act
In most cases, you have two years to start a claim. This means your case must be filed in court within two years of the incident, or you could lose the right to pursue compensation. Because limitation periods can be complex, it is strongly recommended that you seek immediate advice from a lawyer experienced in LTD matters.
Frequently Asked Questions
Most clients prefer contingency fee which means the client pays only if and when there is recovery of compensation.
No, you don't have to pay.
Maybe, but it depends on various factors. It is best to seek immediate advice because of the application of the Workplace Safety and Insurance Act (WSIB). We will tell you free of charge if you qualify to pursue compensation outside of WSIB.
Get in touch to book a free legal consultation