We fight for the maximum compensation our clients are entitled to under Ontario law.
Long-Term Disability Claims
Insurance companies do not always get disability claims right. Pelz Law Group represents clients across Ontario in denied LTD claims and disability insurance disputes.
Long-term disability claims are often denied because the insurer says the medical evidence is not strong enough, the condition does not meet the policy definition, or the claimant can return to work.
Pelz Law Group challenges insurer decisions and pursues the maximum compensation clients are entitled to under Ontario law.
The insurer claims your medical records do not support ongoing disability.
The insurer says you can work in another occupation despite your condition.
Monthly disability benefits are stopped after they were previously approved.
Depression, anxiety, PTSD, and chronic pain claims are often challenged.
Insurers may pressure claimants to return before they are medically ready.
Insurers may rely on surveillance, paper reviews, or questionnaires to deny claims.
Disability Insurance Disputes
LTD disputes often involve more than one denial reason. Pelz Law Group deals directly with insurance companies on behalf of clients.
Challenging rejected long-term disability applications.
Fighting back when approved LTD benefits are cut off.
Handling adjusters, claim managers, and insurance representatives.
Reviewing lump sum offers before rights are signed away.
Common LTD Claims
Disability claims may involve physical injuries, mental health conditions, chronic symptoms, or serious illness.
Ongoing pain that limits reliable work capacity.
Mental health conditions that interfere with employment.
Trauma-related symptoms affecting daily function and work.
Conditions affecting memory, concentration, movement, or cognition.
Maximum Compensation
Pelz Law Group fights for the maximum compensation clients are entitled to under Ontario law.
Benefits that should have been paid before the denial or termination.
Compensation for future benefits available under the policy.
Negotiated settlements for eligible disability disputes.
Claims that may go beyond unpaid monthly benefits.
Pelz Law Group represents clients across Ontario in denied LTD claims and disability insurance disputes.
Complete the form below to request a free consultation with Elena Pelz.
Before accepting a denial, returning to work early, or signing a settlement, speak with Pelz Law Group about your disability claim and legal options.
Understand what your disability policy requires and whether the insurer’s decision is supported.
Review records, reports, restrictions, symptoms, and treatment history that may support your claim.
Respond to denied, delayed, reduced, or terminated long-term disability benefits.
Review settlement offers before signing away future rights or disability benefits.
Request a free consultation to discuss your denial letter, insurer communications, disability benefits, or settlement offer.
Client Testimonials
Stories from injured clients who trusted Elena Pelz and her legal team through serious personal injury claims.
“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.”
Slip and fall causing rib fracture and right shoulder muscular tear Ludmila W.“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.”
Significant soft tissue injury motor vehicle accident Marie K.“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.”
Lower back injury, PTSD Ella R.“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.”
Suffered a significant car accident resulting in right hand fracture Vadim M.“After being struck by a car twice in one year, while on a bicycle, I was struggling with the complex paperwork and felt helpless while dealing with the insurance companies on my own. 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.”
Two bicycle accidents few months apart, concussion Peter G.“It has truly been an incredible experience working with Mrs. Elena Pelz and Pelz Law Group. Elena was professional, diligent, and committed. Despite many challenges, she remained persistent for the last four years and worked tirelessly. The team displayed the highest degrees of professionalism, fairness, ethics, and communication.”
Head Injury, chronic pain syndrome Kashif M.“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.”
Slip and fall causing rib fracture and right shoulder muscular tear Ludmila W.“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.”
Significant soft tissue injury motor vehicle accident Marie K.“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.”
Lower back injury, PTSD Ella R.“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.”
Suffered a significant car accident resulting in right hand fracture Vadim M.“After being struck by a car twice in one year, while on a bicycle, I was struggling with the complex paperwork and felt helpless while dealing with the insurance companies on my own. 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.”
Two bicycle accidents few months apart, concussion Peter G.“It has truly been an incredible experience working with Mrs. Elena Pelz and Pelz Law Group. Elena was professional, diligent, and committed. Despite many challenges, she remained persistent for the last four years and worked tirelessly. The team displayed the highest degrees of professionalism, fairness, ethics, and communication.”
Head Injury, chronic pain syndrome Kashif M.Insurance companies have lawyers working for them. Shouldn't you? Speak with Elena Pelz today.
