Disability Insurance Rights

Short-term disability (STD) provides income replacement for a limited period, usually several weeks to months, while you recover. Long-term disability (LTD) extends that support if your condition prevents you from working for a longer period or indefinitely.

Both types of claims can be denied or interrupted, even if your medical condition is legitimate. An experienced disability lawyer can help you understand how your policy applies, and what to do if the process doesn’t go as expected.

Denials often stem from issues like insufficient medical support, missed deadlines, or how the insurer interprets your condition. If the insurer decides you’re fit to work in any capacity, even if that’s not realistic given your health, they’ll likely stop payments.

Understanding why your benefits were denied or cut off is the first step toward getting back on track. Our team can examine your policy, the insurer’s explanation, and your medical documentation to help you understand what you can do next.

Disability claims impact your ability to support yourself, focus on your health, and plan for what comes next. When the process becomes overwhelming or unclear, legal support can make a real difference.

At Whitten & Lublin, we help clients across Ontario make sense of complex policies, challenge unfair decisions, and take informed action, whether through negotiation, appeal, or litigation. If you’re unsure about your rights or the next steps in your claim, we’ll give you clarity and a plan, so you’re never left guessing.