Sometimes the only option is to sue.  That's what we do best.  You may be concerned that litigation will cause you more stress.  We find the opposite to be true.  We take over the dispute for our clients, allowing them to focus on their health and recovery, reducing their stress.  Our approach is Trauma Informed; reducing stress while maximizing settlements. Learn more about the Steps in the Litigation Process and our Litigation services.

If your employer interfered in the denial of your disability claim, we can help.  The two most common ways your employer may have a role in your disability case is if your STD claim was denied and your employer pays that benefit.  The other is if your employer did something or failed to do something that resulted in the denial of your LTD claim by the insurance company.  These are very complex cases that involve serious claims against your employer as well as the LTD insurer.  Learn more.

With cognitively demanding jobs in medicine, law, technology, finance,  we expect our private LTD policies will protect our income, our families and our businesses if we become disabled (totally or even partially). When these claims are denied, we know what's at stake and how best to proceed. These policies are complex and require the highest level of skill and experience to properly pursue in litigation. Learn more about Individual Policies.

Teachers' LTD claims are complicated and there's a lot at stake; including pension and other benefits. We know the Teacher's LTD plan inside and out. Helping our teachers with claims forms, telephone interviews, appeals submissions, and through the litigation process is what we've been doing for decades.  We care for and fight for our Teachers when they feel they have no one else to turn to.  Learn more about OTIP/Teachers' LTD claims and Appeals.

Government of Canada employees (non-union), under the  Public Service Management Insurance Plan (PSMIP) often struggle with their LTD claims for "invisible" conditions.  Their LTD plan requires "objective" proof of disability including a medical diagnosis. These claims are complex and impact other rights including pension and benefits. We are there for our Government employees when they feel they have no one else to turn to.  Learn more about PSMIP claims and how we can help.

If your STD or LTD claim has been denied and you have given them "everything", you may not know what to do next. Time is not on your side. We know how to appeal these decisions and how to help you do it yourself.  See our practical Guide for Appeals.  We also know that sometimes appeals are a waste of precious time.  We'll assess your claim and their decision.  If we believe litigation is your only option, we'll tell you if you have a good case.  Learn more about how we can help with your Appeal.

It's never too soon to ask for help.  As much as we love to sue insurance companies, we know the best case for our clients is to never having to litigate.  Seeking our assistance early on can result in the quick approval of your claim or appeal. See our Resources section and our Guides to find tips and information for Applying for STD/LTD and other disability benefits.  Learn more.

Losing a loved one OR being diagnosed with a critical illness; these are two of the most difficult life events for anyone.  When your insurance claim is then denied based on a pre-existing condition,  misrepresentation or for some other reason, it may be too much to handle on your own.   These are very complex and contractually technical claims disputes. You will need help disputing the denial. If there's a way to prove they are wrong, we'll find it.  By taking over your dispute, we give you the time and energy you need to focus on what matters most.  Learn more.

Your LTD claim is being paid to you but your are still feeling anxious whenever your insurance company asks for an update. You may want to consider a "divorce" from your insurance company. If you are  unlikely to return to work and the insurance company is continuing to pay your monthly benefits, a "buyout" of your claim may be an option that the insurance company proposes or one that you want to propose.  We can help you evaluate the risk and negotiate a fair buyout of your claim.  Learn more.

We take on a small number of cases on a pro bono basis, each year.  These cases are typically not LTD insurance cases (though disability is usually a factor), but rather cases that involve an issue or cause that is close to our hearts and serves to promote and provide access to justice to a person who would not otherwise be able to pursue their rights without the help of an experienced private-bar lawyer.