A denial or cut-off of your long-term disability benefits is not the end of the road, but the clock is often already running. This guide explains why insurers deny and terminate LTD claims, including the ‘own occupation’ to ‘any occupation’ switch at two years, the two-year deadline to sue that an internal appeal does not pause, and the steps to fight back and get your benefits reinstated.

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.