Your insurance company denied your long-term disability claim. Now your income has stopped, your bills have not, and you are running out of time to appeal. At Maana Law, our long-term disability lawyers in Mississauga fight wrongful denials, terminated benefits, and bad faith insurance conduct. We work on a contingency fee basis. You pay nothing unless we win your case.
How can we help
Insurance companies deny valid long-term disability claims every day. They use vague policy language, inadequate medical reviews, and Independent Medical Examinations (IMEs) designed to dispute your condition. Our Mississauga long-term disability lawyers know every tactic insurers use and how to defeat each one at the internal appeal stage and in court.
We recover the full monthly disability benefit your policy entitles you to, including retroactive payments from the date of wrongful termination. Where an insurer acted in bad faith, we also pursue punitive damages under Ontario law. Every dollar your policy owes you is pursued from your first call.
Whether your claim was denied under the own occupation definition or the any occupation definition, the strategy changes. Maana Law assigns a dedicated long-term disability attorney in Mississauga to your file who understands your specific policy, your diagnosis, and the insurer's pattern of conduct.
Mental Health Conditions Depression, anxiety, PTSD, and other psychiatric conditions are among the most commonly denied LTD claims in Ontario. Insurers treat mental health diagnoses as subjective and dispute their severity. Our disability lawyers in Mississauga build psychiatric and psychological evidence files that insurers and courts accept.
Chronic Pain and Fibromyalgia Fibromyalgia, Chronic Fatigue Syndrome (CFS), and Complex Regional Pain Syndrome (CRPS) are frequently denied because they lack visible diagnostic markers. We work with treating specialists to document functional limitations that prove total disability under your policy's own occupation and any occupation definitions.
Neurological Conditions Multiple sclerosis, Parkinson's disease, chronic migraines, and spinal cord injuries including paraplegia cause permanent functional impairments that clearly meet total disability definitions. We pursue maximum monthly benefits plus retroactive payments for every client with a qualifying neurological diagnosis.
Cancer and Long COVID Cancer treatment and Long COVID cause fatigue, cognitive impairment, and physical limitations that prevent return to work for months or years. Insurers often deny these claims during treatment. Our long-term disability lawyers fight for full benefits throughout your treatment and recovery period.
How We Work
LTD claims involve strict deadlines. The limitation period to sue your insurer is two years from the date of denial under Ontario law. Missing this window ends your claim permanently. Maana Law act immediately to protect your rights, manage your internal appeal, and prepare for litigation if needed.
We review your denial letter, policy definitions, medical records, and insurer's reasons, then spot every error and build your response from day one.
We gather physician reports, specialist opinions, vocational assessments, and FCEs to counter the insurer's IME strong evidence wins LTD appeals.
We manage the internal appeal, respond to every insurer request, and negotiate for reinstatement and back pay, bad faith gets us into court fast.
If your insurer refuses fair resolution, we file in Ontario Superior Court simplified rules under $35K, full trial above. We're ready from day one.
Our Services
Most LTD denials in Ontario are not final. Insurers deny claims for reasons that can be challenged at the internal appeal stage and in court. Understanding why your claim was denied is the first step toward reversing the decision. Maana Law reviews every denial letter at no cost to identify the strongest grounds for your appeal.
Policy Definition Disputes Insurers argue you do not meet the total disability definition in your policy. Under the own occupation definition, you must be unable to perform your specific job. Under the any occupation definition, you must be unable to perform any work. We challenge both definitions with medical, psychiatric, and vocational expert evidence tailored to your diagnosis and work history.
Procedural and Documentation Grounds Insurers also deny claims citing missed deadlines, incomplete forms, or gaps in medical documentation. The elimination period of 90 to 120 days must be satisfied before LTD benefits begin. We review every procedural ground the insurer used and correct documentation errors that should never have caused your denial in the first place.
Causes and Claims
Insurers deny LTD claims when they decide your medical records do not prove total disability under your policy's definition. They discount treating physician opinions and rely on their own IME doctors. Our disability lawyers in Mississauga build the medical evidence file insurers cannot ignore.
Most LTD policies shift from the own occupation definition to the any occupation definition after 24 months. Insurers use this change to terminate benefits even when you remain unable to work in any meaningful capacity. We fight these terminations and challenge the insurer's vocational assessments with expert evidence.
Insurers frequently deny LTD claims by arguing your condition is a pre-existing condition excluded under your policy. This argument is used against claimants with depression, anxiety, chronic pain, fibromyalgia, and Long COVID. We challenge these exclusions and have them reversed at the appeal and litigation stage.
Insurers conduct video surveillance and social media monitoring to dispute your claim. A photograph taken on a good day or a post misread out of context can be used to terminate your benefits. Our Mississauga LTD attorneys know how insurers build these files and how to dismantle their conclusions in court.
Claim Your Rights
A successful long-term disability claim recovers your monthly disability benefit, retroactive payments from the date of wrongful denial, and in bad faith cases, punitive damages. Maana Law also helps Mississauga clients access CPP Disability and WSIB benefits alongside their LTD claim to maximize total income replacement.
We review every coverage category in your LTD policy medical, rehab, specialist and pursue every benefit your insurer withheld or underpaid.
LTD replaces 60–85% of your income. We recover back pay from your denial date plus ongoing monthly benefits for your full disability period.
You may also qualify for CPP Disability and WSIB alongside your LTD claim. We coordinate all three to maximize your family's monthly income.
Bad faith denial can trigger punitive damages and emotional distress claims in Ontario courts. We document insurer conduct from day one.
Your Case, Our Priority
Common Questions
A long-term disability lawyer in Mississauga helps clients navigate the complex disability claims process, dealing with insurance denials, appeals, and ensuring clients receive the monthly benefits and rehabilitation benefits they deserve under their insurance policy.
Most long-term disability lawyers in Mississauga work on a contingency fee basis, meaning you pay nothing unless you win your case. We also offer free consultations to evaluate your disability claim.
Settlements for long-term disability claims can vary greatly, depending on the severity of the condition and the insurance policy involved. Settlements can range from a few thousand dollars to several hundred thousand dollars.
The time to settle a long-term disability claim in Mississauga can vary. Appeals may take several months, while complex court applications or insurance negotiations can take a year or more.
Most LTD lawyers charge 25%–33% of your recovery on contingency no fee unless you win. You pay nothing upfront; the lawyer’s fee comes only from the settlement or award they secure for you.
You qualify if a medical condition prevents you from performing your job duties for the elimination period defined in your policy. Most policies require you to be disabled from your own occupation for the first two years, then from any occupation afterward.
You don’t legally need one, but having a lawyer significantly increases your chances of a successful appeal or lawsuit. Insurers have legal teams protecting their interests, a disability lawyer levels that gap and handles every deadline, document, and negotiation for you.
Mental health conditions like depression, anxiety, and PTSD are the hardest to prove because they lack visible, objective markers. Insurers frequently deny these claims, making detailed physician reports and functional assessments critical.
Settling is faster and guaranteed; suing takes longer but can yield a higher award including punitive damages. Your lawyer weighs the insurer’s offer against the full value of your claim including back pay, future benefits, and bad faith damages before recommending either path.
In Canada, the correct term is lawyer “attorney” is the American equivalent. Both mean the same thing: a licensed legal professional who represents you. What matters is choosing one who specializes in LTD and disability insurance disputes specifically.
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Manna Law is located at 90 Matheson Blvd W Suite 101, Mississauga, ON L5R 3R3, Canada.
If you would like to visit our law office and are traveling by bus from downtown Mississauga, take the MiWay Bus to Square One Terminal. Then, walk west (around 5-7 minutes) to reach our office at 90 Matheson Blvd W. The approximate travel time is about 20-30 minutes.
If you are traveling by car from downtown Mississauga, head west on Dundas Street towards Hurontario Street. Turn right onto Hurontario Street, continue for a short distance, and our office will be on your left. The approximate travel time is about 5-10 minutes (depending on traffic).
We are available 24/7.
For additional questions, you can call us at +1 437-979-4878 or check our reviews on Google.
