Don’t settle for less when you’re facing a denied long-term disability claim. At Campisi LLP, we’ve seen clients who have their claims denied or who face intense challenges that delay their benefits time and time again. We’re here to change that.
Contact us today for your free, no-obligation consultation. Let’s talk about what matters most: your recovery, your rights, and your future.
Long-term disability (LTD) benefits can be complex, and unfortunately, even valid claims are often denied. Simple oversights, like missing a medical appointment, missing a deadline, or submitting incomplete paperwork, can put your benefits at risk.
At Campisi LLP, we understand how overwhelming the process can be. Our team is here to guide you through your appeal with clarity and care. We have in-depth knowledge of long-term disability claims and the strategies insurers use to deny them. From gathering essential documentation to meeting strict deadlines, we take care of the details, so you can focus on your health and recovery.
Every member of the Campisi LLP team brings strong legal insight paired with a genuine commitment to client care. Leading our team is Joseph Campisi, a professor of insurance law and holder of a PhD in the field. His dedication to justice shapes the way our lawyers, paralegals, and support staff approach every case with diligence, empathy, and unwavering support.
If your long-term disability claim has been denied, you can count on us to respond with compassion and integrity. We begin working on your case right away, exploring every legal avenue to help you access the benefits you deserve. With Campisi LLP managing the complex negotiations and documentation, you can focus on your health and recovery, knowing your claim is in capable hands.
Our lawyers use their extensive knowledge of long-term disability claims to help you successfully navigate the appeals process. They offer:
At Campisi LLP, we approach every long-term disability claim with integrity and compassion. We understand the stress and uncertainty that follows a denial and we’re here to support you through it.
What sets your experience with Campisi apart?
Our multilingual team speaks more than 20 languages, making it easier for individuals from all backgrounds to access the legal support they need.
You are at the heart of everything we do. We focus on helping you secure the benefits you deserve while ensuring you feel heard, respected, and supported throughout the process.
Campisi LLP is widely respected for its deep understanding of long-term disability claims and commitment to ethical, knowledgeable representation.
We’ve helped many clients successfully appeal their denials and access the benefits they’re entitled to, because results matter when your well-being is on the line.
Many employers provide some form of LTD coverage as part of their benefits package, although there can be significant variations in the terms of the policy. It is important to understand how your policy defines “disability”, the extent of your potential coverage, your rights and obligations, and the procedural steps you need to follow, including the appeals or complaints process if your claim is denied.
Typically, LTD coverage begins after 3 months of continuous disability during which you have been unable to work at your usual employment. Generally, it is not automatic, and you must apply for LTD coverage. Because of the complexities of the application process, many injury victims seek legal assistance at this stage, before submitting the initial application.
Even with expert assistance, most LTD claims are denied. Insurance companies are run for profit. They want to spend as little as possible and will use any means available to deny your legitimate LTD claim. Many claims are denied over technicalities like missed doctor’s appointments or treatment sessions, or for missing medical evidence in your file. Missed deadlines for filing or providing information also trigger automatic denials and happen frequently, even when you are not aware of the deadline.
If your claim has been denied for a technical reason, you will have the right to appeal the denial with your insurance company. The procedures will be set out in your LTD policy. Usually, you have 30 or 60 days to start an appeal in this manner. Depending on the circumstances and your health, you can argue your own appeal. Be advised, however, that most of the time these appeals are a formality, and the denial is upheld.
Frequently, your insurer will demand additional medical evidence beyond your medical records to determine whether you qualify for LTD coverage. They are entitled to send you for medical assessments for this purpose. These assessors are not on your side and typically try to minimize or distort the impact of your injuries or will find other ways to disqualify you. You should think carefully before agreeing to attend one of these assessments, as they can be very damaging to your chances. If you have not already done so, it is a good idea to discuss your options with an experienced LTD lawyer at this point.
A denial of your long-term disability (LTD) claim can feel overwhelming, but it doesn’t mean the end of your claim. Taking the right steps can protect both your health and your legal rights.
Here’s what to do next:
When an LTD claim has been denied, you can either start the appeal process with your LTD provider or start a lawsuit, depending on the reason for the denial. If you have missed deadlines or appointments, but have reasonable explanations, it might be best to appeal the denial. You would do this to preserve the relationship with your insurer and get your LTD benefits started or reinstated. The LTD policy will set out the limitation to appeal (usually 30 or 60 days) and other requirements.
If the insurer accepts your explanation, an appeal will get the needed money in your bank account as quickly as possible. However, even in straightforward cases, insurance companies will try to avoid paying, particularly if you do not have a lawyer.
Often, if an insurance company thinks you might win the appeal, they will try to settle your claim on a full and final basis. Usually, however, they will only offer a small portion of the potential benefits. We are experienced negotiators and will work with you to maximize any potential settlement offer.
We'll thoroughly evaluate your accident claim, determine its strength, and clearly explain your legal rights and potential compensation options.
You'll receive a detailed roadmap of your case timeline, key milestones, and our proven approach to maximize your settlement or court award.
You'll leave with actionable advice and clear direction, whether we can take your case or not.
Available seven days a week. We’ll meet you wherever works best: in person, online, or by phone.
Find us here: Ajax, Aurora, Barrie, Belleville, Bowmanville, Burlington, Caledon, Downtown, Guelph, Halton Hills, Hamilton, Kingston, Kitchener-Waterloo, Markham, Mississauga, Newmarket, Oakville, Oshawa, Peterborough, Pickering, Toronto, Vaughan, Woodbridge.
Choose your language to translate our website
Talk to a Toronto Personal Injury Lawyer Who Truly Listens
If you or someone you love has suffered a catastrophic injury, you deserve more than legal representation. You deserve a legal team that puts your healing, your dignity, and your future first.
Arabic, Creole Patoit, Croatian, Farsi, French, Greek, Hebrew, Hindi, Italian, Mandarin, Macedonian, Polish, Portuguese, Punjabi, Russian, Serbian, Spanish, Tagalog Filipino, Tamil, Turkish, Ukrainian, Urdu.
