Our Fees Reflect
Our Values & Our Value
We offer high-value initial consultations providing practical information, insights and suggestions, at no cost.
We are an extremely experienced boutique law firm that focuses on providing individualized (certified trauma-informed) client service and highly skilled legal representation in LTD and Life Insurance claims. We are selective in the cases we take on to ensure that we are able maintain our high standard of service for our clients.
If we accept your case, we offer a variety of flexible fee arrangements that reflect our commitment to access to justice, while taking into account our own value. If we are not able to take your case, we will point you in the right direction to ensure that you are able to get the help you need.
We offer confidential consultations in all areas of our practice. We will review your matter with you. Talk through your options with you and provide you with the information you need to decide your next steps. If we believe we can help you further, we may offer our services at a cost based on the nature and complexity of your case and the anticipated work and result. Find out more about what to expect at your initial consultation.
If litigation is necessary, we offer hourly and contingency fee retainer agreements. We use the Standard Contingency Fee Agreement in Ontario. Our fee is 33% of your total settlement, plus disbursements and taxes. In rare circumstances, we may charge less than 33% or as much as 35%. There are no up-front costs and we pay for all of your disbursements during your case. You only pay us if and when your case settles or we win at trial.
If upon reviewing the denial or termination of your claim and weighing your options, you decide to appeal the decision, we can help you through the process. From free DIY tips for appealing to preparing and submitting the appeal on your behalf, we can help. Our fees for appeals depend on how much help you need and can range from free to hourly, or on contingency pending the outcome of the appeal and your commitment to litigate a denial of the appeal.
If your LTD claim has been approved but you no longer want to report to the insurance company, you may be considering a payout/buyout of your claim. There are very important considerations and risks when considering if a buyout is the right decision for you. We will discuss risks and provide a strategy for your approach in the negotiation or we can negotiate the settlement for your. We can also provide Independent Legal Advice if you have been offered a settlement.
It is never too soon to reach out for help. We provide guidance to those who are considering stopping work due to disability and those who are in the process of understanding what benefits are available to them and the process of applying. We will review the LTD claims forms and provide our suggestions to improve the odds of success. We will also explain what happens if the claim is denied and answers regarding employment and other benefits.
Pro Bono Cases
We take on a small number of cases on a pro bono basis, each year. These cases are typically not LTD insurance cases, but rather cases that involve an issue or cause that is close to our hearts and serves to 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.
We are not looking at the clock. We are focused on you and on your case.
A Contingency Fee Agreement allows us to spend as much time as we need to fully understand your case. It allows you to feel understood, supported, and empowered.
You can also be assured that if we agreed to take your case,
we believe in you and in the strength of your claims.
In a very real sense, a Contingency Fee Agreement means we are in this together.