Disability Lawyer Toronto

Long-term disability insurance has proven to be a financial life-saver, literally, enabling the insured and their families to afford the necessities of life. If you have the option of adding LTD to your benefits package, this is an opportunity to protect yourself and your family. In an unfortunate occasion when you are unable to work for an extended period of time, whether due to accident or illness, LTD will assist you through a challenging time in your life.

Do you have long term disability insurance?

Your employer might include LTD insurance as a standard part of their benefit package so that you are automatically enrolled in the program, but you should be aware of the following:

  • LTD insurance is available only up to age 65; similarly, payouts end when the insured turns 65.
  • There is a ‘qualifying period,’ generally anywhere from two to six months, from the date that you are acknowledged as being disabled until you begin to receive benefits. Generally, the longer this period, the cheaper the insurance rates; it would be beneficial for you to set aside an emergency fund to accumulate the money needed to cover your living expenses during that qualifying period.
  • The insurance company will reduce the benefits you are entitled to if you receive disability benefits from other sources, whether government or private, by an equal amount of those funds.

Why you might need legal services from Mayfair Law Group:

Insurance companies might attempt to deny your claim or to limit the amount of the benefit or the length of the time they will pay those benefits. Insurance information forms can be complex and making errors can result in delays and other complications for you; insurance companies are demanding in the documentation they require, particularly medical, and they have their own experts reviewing your claim. If you find the forms difficult to navigate, or your insurance company is confrontational or denies your claim or limits it to less than you understood you might be entitled to, you clearly need our assistance.

As a boutique personal injury firm, Mayfair Law Group is prepared to provide you with the attention, advice, and representation you require.

Please Contact Mayfair Law Group for a Complimentary Consultation.


  • testimonials

    Mr. Kozoronis is a great attorney. Unlike most he actually cares for the well-being of his clients. Life would have been so much harder without him. Yianniko is an avid professional and has never lost his focus while handling my file. He’s thorough and hands on and I never had to worry about anything. Yianniko fights for us (his clients) as if he were fighting for himself. He leaves nothing to chance and is extremely knowledgeable and prepared. There’s no one better to have as representation.

    Motor Vehicle Accident Client
  • testimonials

    At Mayfair Law Group, I was represented better than I could have ever imagined. My needs were put first, my opinions were valued and my doubts were always reassured. My nerves were calmed and the process was always explained along the way. Yianniko Kozoronis (my attorney) and his team at Mayfair Law Group fought hard for me, he went above and beyond and did everything he could to ensure a great outcome. I couldn’t have asked for a better law firm or attorney. Honesty, Integrity, Transparency is what I got from Mayfair Law Group and more. I was always treated first class and like family. Thank you for all your hard work, I will definitely be referring this firm. Thank you Mayfair Law Group!!!!

    F. Altomare