Find an Personal Injury Lawyer

Short or Long-Term Disability Benefits Denied in Ontario? Cook Reynolds Can Help.

Don't let insurance companies deny you the benefits you deserve.

Cook Reynolds has the experience to help you secure your Ontario short or term or long-term disability benefits.

Free Consultation - Know your Rights

At Cook Reynolds, we understand the challenges you're facing:

  • Serious injuries disrupting your life

  • Denied or terminated disability benefits

  • Confusing Insurance Policy wording or denial letters

  • Complex legal processes overwhelming you

Why Choose Cook Reynolds?

  • Expertise - Years of experience in Canadian employment and disability

  • Personalized Approach - We treat your case with the attention it deserves

  • No Win, No Fee - You only pay if we win your case

We Handle All Types of Long-Term Disability Claims

Whether your disability is physical or psychological, we're here to help:

  • Chronic pain

  • Fibromyalgia

  • Depression and anxiety

  • Back injuries

  • And many more

Claims are often denied citing a lack of objective evidence or impairment.  We understand that many people suffer from impairments that are not easily seen or do not show up on an x-ray.   We help people with these impairments get the benefits they deserve.

Benefits Denied at the Two Year Mark?

Many people find that their insurer denies benefits at around the two year mark when LTD policies typically have a test change for entitlement to benefits. 

We can help explain the legal differences between the “own occupation” and “any occupation” test and the specific requirements of your LTD policy.

Call for a Free Consultation Before You Appeal

The right time to call is when you first receive your denial letter. 

Many denial letters will set out the option to appeal.  It is not always the best course of action and we can strategize your next steps.  If appealing is right for you we will ensure it has the best chance of success.

We're Here to Help:

Don't let a denied claim add to your stress.

Let us handle the legal complexities while you focus on your health.