$105,000 Long‑Term Disability Settlement After a Denied Claim
Azimi Law represents employees and policyholders across Ontario when their long‑term disability (LTD) benefits are denied, reduced, or terminated. LTD benefits are meant to provide income when someone cannot work because of an illness or injury, but insurers often dispute whether a person meets the “own occupation” or “any occupation” tests in the policy. Our firm steps in to review the denial, explain options, and advance the claim through negotiation or litigation. [web:6][web:35][web:20]
Background
Our client had been working steadily before developing health issues that made it difficult, and eventually unsafe, to continue in their role. After a period on disability benefits, the LTD insurer denied or terminated payments, taking the position that the client could return to work or perform another occupation. This left the client without income while still dealing with symptoms and medical restrictions.
LTD denials are stressful and often confusing. Policies contain detailed definitions of disability, change‑of‑definition dates, and notice requirements. Without guidance, many people do not know how to respond or whether the insurer’s decision is fair. That is where experienced LTD counsel can make a difference. [web:35][web:39]
Our Approach
We started by reviewing the LTD policy, claim file, denial letter, and medical records to understand the insurer’s reasoning and the evidentiary gaps. Our team then worked with the client and treating providers to clarify diagnoses, restrictions, and functional limitations in a way that aligned with the policy language.
We focused on demonstrating why our client could not reasonably perform the essential duties of their own occupation, and why returning to another job was not realistic given the medical evidence. With this foundation, we advanced the claim and engaged with the insurer, always preparing the file with potential litigation in mind if negotiation did not lead to a fair outcome. [web:35][web:25][web:37]
Result
The long‑term disability dispute resolved with a $105,000 settlement. This result helped compensate the client for past benefits and provided financial stability while they continued managing their health.
Every LTD case is fact‑specific, and past results are not necessarily indicative of future outcomes. However, this settlement reflects Azimi Law’s broader work in long‑term disability, short‑term disability, and serious injury claims: thorough file review, clear communication with clients, and focused advocacy against insurers when benefits are unfairly denied. [web:6][web:35][web:20]
Had your long‑term disability benefits denied or terminated? Azimi Law can review your denial letter, explain the LTD process, and discuss whether negotiation or litigation is appropriate. We are a client‑focused litigation firm with trial and negotiation experience, helping injured and disabled clients across Ontario since 2016. [web:6][web:27][web:10][web:17]