Long Term Disability Claims in Ontario


Denied Long-Term Disability Benefits? Our Ontario LTD Lawyers Help You Appeal and Win

Serving Toronto, Brampton, Markham, and Beyond

FREE CONSULTATIONS

FIND OUT WHAT YOUR CASE IS WORTH !

We work for YOU, AND ONLY for YOU

We do not work for insurance companies. We only deal with plaintiff side personal injury claims !

Insurance companies often deny or delay long-term disability (LTD) benefits even when medical evidence clearly supports your inability to work.

At Pelz Law Group, we help clients across Ontario fight back against wrongful denials, protect their rights under LTD policies, and secure the monthly income they’re entitled to.

Whether you're dealing with a new claim, an unjust termination of benefits, or a complex appeal, our legal team provides strategic guidance every step of the way.


  • Claims routinely denied or delayed despite valid and ongoing medical conditions

  • Insurance providers often rely on vague or complex policy language to avoid payment

  • Legal representation increases your chances of approval or successful appeal

  • Medical reports, functional assessments, and expert opinions collected to strengthen your case

  • Appeals and litigation handled to secure long-term financial protection and peace of mind

How Pelz Law Group Supports Clients with

Long-Term Disability Claims in Ontario


No fees until your case is won or settled

Insurance companies often deny or cut off long-term disability (LTD) benefits leaving injured and ill individuals without income or support. Elena Pelz and her team at Pelz Law Group understand the tactics insurers use and know how to fight back. Clients who retain legal representation see a significantly higher success rate in LTD approvals, appeals, and reinstatements. Pelz Law Group increases your chances by building a stronger case, avoiding costly mistakes, and putting legal pressure where it matters most.


  • Review and explain the terms of your LTD policy to determine your rights and entitlements

  • Collect medical records, treating physician reports, and third-party expert assessments

  • Handle all insurer communication to protect you from misstatements or manipulation

  • File appeals or pursue litigation if your benefits are wrongfully denied or terminated

  • Push for reinstatement of benefits, recovery of past payments, and long-term financial protection

Did You Know?

  • Over 60% of initial LTD claims are denied due to incomplete forms, vague medical evidence, or technicalities

  • Legal representation more than doubles the chance of approval on appeal

  • Clients represented by an experienced disability lawyer are far less likely to experience early termination of benefits

Start Your Long-Term Disability Claim with Pelz Law Group


No legal fees unless we win your case.

Strict deadlines apply to long-term disability claims in Ontario. Delays, denied benefits, or missed appeal windows can put your financial future at risk. Speak with the legal team at Pelz Law Group today for a free case review and get the representation you need to protect your rights and secure the benefits you deserve.

Our Areas of Focus

Motor Vehicle Accident Claims

Injured in a motor vehicle accident? Pelz Law Group will guide you through every step to secure your benefits and compensation

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Fracture & Orthopedic Injury Claims

Suffered a fracture or orthopedic injury? Pelz Law Group is here to help you claim the compensation and care you deserve

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Long Term Disability Claims

Denied or delayed long-term disability benefits? Pelz Law Group fights for your rights and your financial security across Ontario

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Traumatic Brain Injury (TBI) Claims

Suffered a traumatic brain injury in Ontario? Pelz Law Group is ready to fight for the compensation and care you deserve

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Cyclist Injury Claims

Injured while cycling in Toronto, Brampton, or Mississauga? Pelz Law Group is here to secure the compensation you deserve.

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Catastrophic Injury Claims

Facing a life-changing injury? Pelz Law Group stands by your side to fight for your future and full compensation

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Slip and Fall Claims

A slip, trip, or fall on unsafe property in Ontario can cause serious injuries. If negligence was involved, Pelz Law Group can help you pursue compensation.

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Spinal Cord Injury Claims

A spinal cord injury can change everything — Pelz Law Group is here to help you rebuild your life with the compensation and support you deserve

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Psychological Injuries / PTSD

Not all wounds are visible . Pelz Law Group fights to make sure your psychological injuries and PTSD are recognized, respected, and compensated

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Wrongful Death Claims

Losing a loved one due to someone else’s negligence is heartbreaking. In Ontario, eligible family members may seek compensation under the Family Law Act.

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Client Testimonials

Slip and fall causing rib fracture and right shoulder muscular tear

“The moment I walked through the door, I was treated with care and respect. Elena took her time to make sure that I understand the process and provided outstanding legal advice which in the end proved to be successful. I would recommend her to any friends and family as her level of professionalism and dedication to my file was superb”.

- Ludmila W.

Significant soft tissue injury motor vehicle accident

“My injury prevented me from being able to work and from being able to take care of my house. On top of my physical injuries I developed significant psychological problems. Elena secured a significant settlement from a third-party claim and in addition was able to prove that my injuries were catastrophic. During the entire claim process, Elena and her legal team were very supportive at every step”.

-MARIE K.

Lower back injury, PTSD

“After experiencing a lower back injury, I was psychologically low-spirited and didn’t know where to go. I was recommended by a friend but didn’t know what to expect. Elena’s knowledge and professionalism led to an incredible settlement which I did not expect. You feel confident when you are in good hands”.

-.ELLA R.

Suffered a significant car accident resulting in right hand fracture

“After experiencing a significant car accident that resulted in a right-hand fracture, I felt overwhelmed and lost. Elena assisted me with every aspect of my case and was able to settle it within 2 years. Would highly recommend her services”.

-VADIM M.

Two bicycle accidents few months apart, concussion

.“After being struck by a car twice in one year, while on a bicycle, I was struggling with the complex paperwork and felt really helpless while dealing with the insurance companies on my own. I almost gave up when a friend of mine recommended Elena Pelz. She got back to me right away and instantly made me feel better. Because of Elena’s help I was able to get my life back on track and focus on my treatments. She was able to reach a global settlement with the insurance companies. I couldn’t have asked for a better result. Thanks, Elena”.

-PETER G.

Head Injury, chronic pain syndrome

"It has truly been an incredible experience working with Mrs. Elena Pelz and Pelz Law Group. Elena was extremely professional, diligent, and committed. Despite many challenges that appeared along the road, she remained persistent for the last four years and worked tirelessly. The team displayed the highest degrees of professionalism, fairness, ethics, and communication. They have been very timely with updates and always responsive and friendly. I thank Elena Pelz and Pelz Law Group for their skills and success in winning a tough case that presented several complications. I gave them my highest salute for not only winning the case, but doing so fairly, ethically, professionally, and rationally."

-KASHIF M.

Frequently Asked Questions

Why do I need a personal injury lawyer in Ontario?

If you are left injured after an accident has occurred, feeling overwhelmed with mental, physical and financial strain is a normal feeling. Our reputation around Toronto has allowed us to develop tremendous relationships with the top doctors, physicians and rehabilitation specialists in this province, ready to help meet your medical needs. Let us help you relieve your insurance paperwork and the legal burden that should not create any extra stress in your life. By trusting our legal team, we aim to obtain the maximum compensation that you deserve while assisting you and your loved ones to find justice. It is our priority to understand our clients and their families, which allows us to get a better understanding of how much their lives are affected by the accident, and to achieve the best results possible.

I’ve been injured in Ontario. What do I do?

Call 911, make sure to keep calm and do not panic. Report your accident to the police and make sure to receive necessary medical attention. Call or email Pelz Law Group as soon as possible after your accident to get a free consultation. Our goal is to understand your story and to the best of our ability guide you through the complicated legal process. We have years of experience dealing with personal injury victims and nothing makes us happier helping you and your family get access to the necessary support and make sure you receive maximum compensation for your injuries.

What is my case valued at?

Due to the wide range of circumstances that occur in personal injury claims, each case is unique. The truth is that it is impossible to predict how much money you will recover right after your accident occurred, however we are able to give you a range of what you can expect and explain to you what types of damages you might be entitled to depending on your personal circumstances. There is a wide variety of damages that you as a victim can claim including lost income (past and future), pain and suffering, loss of housekeeping capacity, cost of medical rehabilitation, personal care, and much more. Don’t let those lawyers that promise you hundreds of thousands of dollars just to get you to sign the retainer mislead you. Call Pelz Law Group for you free consultation today and get the answers to all your questions

When should I connect myself with a lawyer?

If you or a loved one has been involved in a personal injury accident. Make sure to seek the necessary medical attention immediately for you and those injured. After receiving the treatment required to relieve immediate injury, find a quiet place and call Pelz Law Group. The faster you obtain a personal injury lawyer after your accident the better are your chances of receiving an outcome you deserve. Call us today so we can advise you in the right direction.

On what basis do you charge your clients?

Our firm works on a contingency basis. Meaning, we do not collect any upfront fees and only get paid when and if you get paid. There are no hidden fees. The percentage that we charge depends on the characteristics of your case. Please call Pelz Law Group for your free consultation today and get the answers to all your questions.

How likely is it that I will win my lawsuit?

.It is likely that the case will not make it to trial, as most personal injury claims are settled before trial. If a settlement cannot be agreed upon then we will work with you to prepare your case for trial. Having a trustworthy and experienced lawyer and legal team around you will allow for your chances of success to be more effective and efficient.

What is the procedure for filing a personal injury claim in Ontario?

The claims process required after an accident should not be a worry of yours. It is not a good idea to fight with insurance companies without legal representation. At Pelz Law Group our number one objective is to alleviate all your hardships associated with filing a claim. We take care of the entirety of the legal process from start to finish and focus our attention on acting in your best interest. Call Pelz Law Group and we will gladly answer all your questions.

What are my options if I have a claim for personal injury or disability?

In certain personal injury cases it is difficult to determine whether you have an attainable claim. If you have been involved in a motor vehicle accident, bicycle accident, slip and fall or other form of personal injury you can attempt to make a personal injury claim. It is very crucial that you contact an experienced lawyer so that he/she can give you a breakdown of what is necessary for your case moving forward. Don’t wait, call Pelz Law Group to receive an immediate free consultation regarding whether or not you have a viable claim.

How long will it take for my case to be settled?

The time it takes to settle a personal injury case can vary based on the characteristics of the case. On average a personal injury case can take 2-3-years. At Pelz Law Group, we prioritize effectiveness and aim to acquire your settlement in the most efficient manner possible. Compensating you as early as possible will help you relieve the unnecessary hardships associated with being involved in a personal injury accident. (Settlements can take longer, however, that is dependent on the circumstances of the claim).

In the event of an injury or disability, how long do I have to make a claim?

For most types of personal injury incidents, you have 2 years from the date of your accident to make a claim; however, in some cases, the deadline can be sooner. For example, if you sustained an injury on the property that belongs to a municipality you may only have 10 days to notify them. It is critical not to miss any of the important deadlines as you may lose your right to issue the claim. For this reason, it is extremely important to obtain legal advice immediately.

OUR OFFICES

TORONTO LOCATION

4950 Yonge Street, Suite 1006

Toronto, Ontario Canada, M2N 61K

4950 Yonge St suite 1006, North York, ON M2N 6K1, Canada

FAX 226 210 9911

CONSULTATION OFFICES

18 Wynford Drive Unit 105

Toronto, ON M3C 3S2

5650 Tomken Road Unit 8

Mississauga, ON L4W 4P1

3300 Rutherford Road

Concord, ON L4K 5Z2

274 Dundas Street East #102

Belleville, K8N 1E6

170 Holland Street West

Bradford ON L3Z 2B8

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