Canada's Disability Law Firm
Since 1994, MacGillivray Disability Law helps Canadians whose long term disability benefits were denied or terminated.
$139,267,177
Total Settlements in 2025
1,700+
Annually Settled Files
2,100+
5 Star Google Reviews
38
LTD Lawyers
17
Languages spoken
If your insurance company denied or terminated your long term disability benefits, you may wonder:
who we are
We have been helping Canadians get long term disability benefits started or reinstated since 1994.
Having your long term disability benefits denied or terminated by an insurance company can be a stressful experience. Our lawyers will help you determine the best course of action to have your benefits reinstated or dispute a denied claim. We understand that dealing with insurance companies, recovery, and the possibility of returning to work can feel overwhelming, which is why we provide experienced legal guidance throughout the entire process.
why macgillivray
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Meet Our Long Term Disability Lawyers
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What Is My Long Term Disability Claim Really Worth?
Factors that affect your LTD benefits:
The age to which benefits are payable (commonly to age 65, but varies by policy)
The amount of your monthly LTD benefit (usually a percentage of your income)
The definition of "total disability" in your specific policy
Offsets such as Canada Pension Plan Disability (CPPD) or Workers' Compensation benefits
our process
Legal Options When LTD Benefits Are Denied or Terminated
If your LTD benefits have been denied or terminated you have two options:
Internal Appeal
Writing to the LTD insurer and going through their internal appeals process. Internal appeals have deadlines set out in your denial letter.
Lawsuit
Sue your LTD insurer for breach of contract. Lawsuits typically must be filed within two years (varies by province).
Evidence Compilation
We know the right questions to ask your doctors to compile the best evidence in support of your disability claim.
Medical Examination
Where necessary, we refer you to specialist doctors who provide Independent Medical Examinations.
Legal Research
We conduct thorough legal research related to disability policies.
Court Proceedings
We meet every court deadline and push cases toward resolution.
our process
Settlement Options
Reinstatement of Benefits
The resumption of your regular benefit payments after they've been stopped.
Lump Sum Settlement
A one-time payment representing the total of your insurance policy, including back benefits and future disability payments.
Frequently Asked Questions
You can always apply for CPPD benefits. If approved for both, you can draw from both sources, but CPPD benefits might be subtracted from your LTD policy benefits through a process called ‘offsetting.’
Yes, if you have been denied LTD benefits, a lump sum settlement may be available. This represents the total of your insurance policy, including back benefits and future disability payments.
If you do not participate in recommended recovery programs, your insurance company might stop your benefits. It’s important to follow medical advice, and if you disagree with recommendations, get a second opinion.
Yes, insurance companies can access your social media posts and use them against you. It’s important not to post content that contradicts your disability claims.
“Own occupation” means you cannot perform the duties of your specific job. “Any occupation” means you cannot perform duties of any job you’re reasonably suited for by education, training, or experience.
- Closure and certainty
- Tax advantages (future benefits portion is not taxable)
- Freedom to return to work without reporting to insurance company
- Security for your family
Your LTD insurer might be entitled to a portion of any settlement you receive through a process called ‘subrogation.’ We can help coordinate between your LTD claim and personal injury case.
