Insurance law governs the relationship between insurers and the insured, from the wording of a policy to the handling of a claim and the litigation that follows a denial. Posts in this category address coverage disputes, title insurance, long-term disability denials and the duties insurers owe to those they insure in Ontario.
The firm acts for insureds and claimants and appears at all levels of court on coverage and good-faith questions. The commentary is written to make a technical area accessible without losing the detail that decides cases.
None of it is a substitute for advice on your own policy, which turns on its specific wording and the facts of the claim.
Long-term disability benefits replace part of your income when illness or injury keeps you from working, but the rules catch people off guard. This guide explains how LTD works in Ontario: what it pays, the own occupation to any occupation switch, who qualifies, how to apply, the rights you have, and what to do if your claim is denied.