Why Calling a Lawyer is the First Step After a Long-Term Disability Denial in Ontario

You paid your premiums. You followed the rules. Now, after being diagnosed with a serious illness or injury, your long-term disability (LTD) benefits have been denied or cut off. It feels like a betrayal. And it’s scary—because you’re too sick to work but can’t afford to go without income.

At Auger Hollingsworth, we hear from Ontarians every week who are in your shoes. They feel overwhelmed, ashamed, or angry. They’re hoping the insurer will change their mind. But here’s what we know: if your LTD claim has been denied or terminated, waiting rarely helps. Taking action does.

Calling a lawyer doesn’t mean starting a lawsuit tomorrow. It means getting clear, experienced advice from someone who understands how disability policies work in Ontario. Our team will review your denial letter, explain your rights, and tell you what steps you can take—right now—to fight back.

Most LTD policies include strict deadlines to appeal or commence legal action. And the longer you wait, the more likely it is that critical information will be lost or misinterpreted. We’ll help gather the medical support, employment records, and policy documents needed to give you the best chance at success.

What clients often say after their first meeting with us is this: “I finally feel like I’m not alone.” They feel relief. They feel empowered. Until that moment, the insurance company held all the information and all the authority. But once you’ve spoken to us, you hold the roadmap. You can act with purpose.

If your disability benefits were denied in Ontario, don’t wait and hope the insurer changes its mind. You have rights—and we’re here to enforce them.

📞 Call Auger Hollingsworth at 613-233-4529 or visit ahinjurylaw.com to schedule your free, confidential consultation.