After more than two decades helping Canadians navigate long-term disability in Ontario they’re at their breaking point. It’s rarely their first step. It’s usually their last hope.
By the time they call a long-term disability lawyer in Mississauga, their benefits have been denied or cut off, their insurer has stopped listening, and their medical appointments have become harder to manage without income. They’re tired, overwhelmed, and unsure why a long-term disability claim that once seemed straightforward has turned into a fight they never asked for.
This is the reality for countless residents across Mississauga — from Meadowvale and Erin Mills to Port Credit and Cooksville — who find themselves navigating a system that feels stacked against them. If you’re in that position now, here are the essential things you should know before speaking with a lawyer.
1. A denial does not mean the insurer is correct — and you should speak with a lawyer as soon as it happens
Most denials I see in Mississauga involve incomplete information or medical records that were never reviewed properly. A denial letter is simply the insurer’s interpretation. A long-term disability lawyer Mississauga residents trust can quickly tell you whether the decision follows the policy — or whether it needs to be challenged immediately. The earlier you contact a lawyer, the easier it is to correct what the insurer missed.
READ MORE: 4 ‘red flags’ that your long-term disability in Ontario could be cut off
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2. Internal appeals rarely help — and calling a lawyer first can prevent wasted months
Internal appeals are not independent reviews. They are handled by the same insurer using the same information. Many people call me only after two or three internal appeals have failed. By then, they’ve lost valuable time and financial stability. Speaking with a lawyer before starting an internal appeal puts you in a stronger position.
READ MORE: 3 Key things to know about the appeals process and LTD
3. Your doctor’s opinion matters — and a lawyer ensures it’s impossible for the insurer to ignore
Your treating doctors understand your condition best. Their reports carry far more weight than the insurer’s internal consultants. A Mississauga disability lawyer makes sure the insurer actually sees — and understands — what your specialists are saying. Without legal help, that information is often misinterpreted or overlooked.
4. Most cases resolve without going to court — especially when a lawyer gets involved early
People often hesitate to call a lawyer because they’re worried about a long legal battle. In reality, nearly all cases settle through negotiation once the insurer sees the complete medical picture. A lawyer’s involvement helps that happen sooner. You don’t need to fear the process — you just need proper guidance through it.
5. Delaying legal advice creates unnecessary financial pressure — calling a lawyer early protects you
By the time many Mississauga residents reach out for help, they’ve already exhausted their savings and are struggling to keep up with day-to-day expenses. That’s why I always tell people: the moment your benefits are denied or threatened, speak with a lawyer. A brief conversation can prevent months of uncertainty and ensure you’re not navigating the system alone.
The bottom line
If your long-term disability benefits have been denied, cut off or reduced, you should not try to handle the process on your own. A proper review by an experienced long-term disability lawyer in Mississauga can clarify your rights and challenge decisions that do not reflect your medical reality.
At Samfiru Tumarkin LLP, our team helps Mississauga residents every day. We know the system, we know how insurers operate, and we know how to correct decisions that were made unfairly. A free conversation with us can give you answers today — not months from now.
When your income, health and stability are on the line, getting legal advice isn’t optional. It’s essential.
Denied or cut off long-term disability benefits? Before you appeal, speak with a Mississauga disability lawyer for clear, immediate advice.
Contact the firm or call 1-855-821-5900 for a FREE consultation. We help Canadians across all provinces (excluding Quebec). Get the advice you need and the compensation you deserve.
Sivan Tumarkin is a disability lawyer and co-founding partner at Samfiru Tumarkin LLP, Canada’s most positively reviewed law firm specializing in employment law and long-term disability claims. The firm provides legal insight on Canada’s only Disability Law Show on TV and radio.