Hamilton, Ontario's
Disability Lawyers.

Millions recovered in wrongfully denied disability benefits.

If your long-term disability has been denied, we can help.

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  • 100%
    100% Free Consultations

    Our consultations are 100% for all denied disability cases.

  • NoFees
    No upfront Fees

    We never ask for money upfront. All of our cases are handled on contingency basis.

  • $M
    Millions Recovered

    We have recovered millions in wrongfully denied long-term disability benefits.

  • 100%
    100% Free Consultations

    Our consultations are 100% for all denied disability cases.

  • NoFees
    No upfront Fees

    We never ask for money upfront. All of our cases are handled on contingency basis.

  • $M
    Millions Recovered

    We have recovered millions in wrongfully denied long-term disability benefits.

We know how to win:

We always pursue maximum compensation for our clients.

  • $162,500

    DENIED LONG TERM DISABILITY

    Settlement

  • $100,000

    YOUNG MAN DENIED DISABILITY BENEFITS

    Settlement

  • $277,500

    LONG TERM DISABILITY BURLINGTON

    Settlement

  • $150,000

    LONG TERM DISABILITY HAMILTON

    Settlement

  • $250,000

    LONG-TERM DISABILITY OAKVILLE

    Settlement

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  • I am a local business owner in Burlington and Lalande lawyers has helped us out with employment issues on numerous occasion. They are very helpful and I would recommend them to anyone with employment issues.

    Roy Jones
    40+
    reviews
  • Without Lalande Personal Injury Lawyers, I would not have received a successful settlement on the appeal of my denied disability claim. Matt Lalande’s experience, professionalism and knowledge were invaluable throughout the entire process.

    Leesa Mackenzie
    40+
    reviews
  • I was in a head on wreck and suffered a tibial plateau fracture. Matt settled my case for my a few months back and set me up in such a good way so that I can pay all my education and start fresh in something that can accommodate me. He recently settled my accident benefits when I didn’t even expect much else. Matt is the best. I am so happy that I was referred to him.

    JP Treecutter
    40+
    reviews
  • My husband was involved in a motor vehicle accident in 2013. He managed to survive the crash yet had serious and multiple injuries to deal with. Luckily, we were directed to our lawyer, Matt Lalande, who took charge of the entire legal process to get my husband fair compensation for all the hurdles he’s faced since. It’s been a bumpy roller coaster ride to say the least (recurring operations and infections to deal with the injuries sustained, numerous medical appointments, ongoing paperwork, not being able to return to work along with all the uncertainties of not knowing what the future holds…). Through all of this, Matt and his team helped us navigate the system, kept us informed at all times and gave us options to use in the end. We are so thankful to Matt and his legal associates for keeping us focused throughout this lengthy process. It takes patience and a great deal of determination to get through these battles and the Lalande team knows how to get it done!

    Bert Dupuis
    40+
    reviews
  • My husband had a slip and fall and was off work for quite a while – Matt got us a settlement that was very generous. Dealing with Matt was an easy process. He kept us well informed along the way and was quickly forthcoming when we asked for updates. This was the first time we had ever been through this process and Matt really did all the heavy lifting for us. We are grateful for his help in this matter.

    Karen Riddiford
    40+
    reviews

For most clients entering the legal system is uncharted territory. We understand that when people our seriously hurt, everyone around them is affected. Families and finances suffer. Our firm will work tirelessly to get you or your loved one the highest compensation possible.

LALANDE PERSONAL INJURY LAWYERS
Local Experts. Trusted Results.
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We represent claimants that have been unreasonably cut-off or denied disability benefits.

Millions Recovered in Denied Disability Benefits

If you need to stop working because of an injury or illness, you may be entitled to disability claims benefits. If you file for disability insurance benefits and your insurance company unreasonably denied your disability payments, you have the right to hire a disability lawyer to file a claim for payment.

Our disability lawyers have recovered millions of dollars in disability benefits for claimants in Hamilton and throughout Ontario. We represent claimants at various stages of denied disability benefits, which includes denied short term disability benefits, denied disability benefits and disability benefits that are cut-off at the two-year mark or at the “change of definition”.

We understand the stress and financial disaster that individuals and families are often forced into when their insurance companies decide to cut them off their disability benefits without good reason. The process of appealing your disability benefits denial could be complex and confusing –  we have recovered millions in wrongfully denied insurance benefits, and we can help you.

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Denied your long-term disability benefits?

If you have become disabled and are suddenly unable to work, you have the right to file a disability claim through your private insurance company or through your work (group policy) for payment of benefits to replace your income.  Unfortunately many claims are initially denied. Disability application can be denied at the application stage for a variety of different reasons and if this occurs, it’s important that you retain experienced disability lawyer to ensure that your case is handled efficiently so that you can receive the disability benefits you deserve.

Most disability claimants obtain disability insurance through their work group disability policies. Disability insurance in Ontario covers all types of medical conditions, such as severe anxiety and depression, schizophrenia, severe chronic pain, MS and other related health conditions. In order to qualify for disability benefits in Ontario, you must suffer a total disability, meaning you are deemed by medical professionals to be unable to perform the substantial duties of your own occupation.   Individuals that suffer severe injury or illness often rely on monthly income benefits to pay their bills and contribute to family finances – however some insurance companies unreasonably deny disability benefits to properly qualified claimants.

Being denied disability benefits can send a claimant and his/her family rocketing into crushing debt. I’ve seen it time and time again – but the faster you make a claim, the faster we can get your benefits back on track.

Cut off your long-term disability benefits?

If you have been cut-off your disability benefits, it’s important that you speak to an experienced disability lawyer. Disability polices in Canada provide that claimants are entitled to payment of benefits if they satisfy their policy definition of total disability. The definition “total disability” within the first two years, is established when you are unable to perform the important duties of your “own occupation”,  even though you may be capable of performing another job.  After two years, most disability policies change their definition to “any occupation”, meaning that you must be unable to perform the activities of any occupation for which you are reasonable suited by your education, training and experience.

It’s normally at the two-year mark that disability companies cut-off disability benefits.  Insurance companies will often use the argument that you are able to work at “some type of job” – when this may not entirely legally proper. While it’s true that insurance companies can terminate your benefits at any time if they find that you are no longer meet the definition of “total disability, it’s equally true that rogue insurance adjusters will cut-off benefits unreasonably and unfairly.  If this happens, you have the right to contact a disability lawyer to make a claim for benefit reinstatement.

You’ve paid premiums to your insurance company for years yet your claim is ignored and discarded when your insurance carrier refuses to believe you suffer form a disability that prevents you from working. We see it time and time again.

Matt Lalande, Founding Lawyer

EXAMPLES OF TYPES OF DISABILITY CASES WE CAN HELP WITH

Since 2003, Matt Lalande has represented disabled claimants at all stages of long-term disabiliity benefits against every major Canadian insurance company – with disabilities such as:

  • Anxiety disorders
  • Asthma/COPD
  • Bipolar disorder Type 1 or Type 2
  • Brain Injuries Acquired or Traumatic
  • Cancer related illness
  • Cardiac Difficulties
  • Cerebral palsy
  • Chronic back and neck problems
  • Chronic Regional Pain Syndrome
  • Dementia
  • Depression related claims
  • Epilepsy
  • Heart Disease
  • Hepatitis
  • Herniated discs
  • HIV/AIDS
  • Huntington’s Disease
  • Inner-ear/Balance disorders
  • Knee disorders
  • Leukemia
  • Lung disease
  • Lupus
  • Major Depression
  • Mental Illness
  • Morbid obesity
  • Multiple sclerosis
  • Neck pain or neck surgery
  • Orthopedic injuries
  • Osteoarthritis
  • Parkinsons Disease
  • Psychosis
  • Psychological illnesses
  • Psychiatric Conditions
  • PTSD
  • Rheumatoid arthritis
  • Schizophrenia
  • Schizoaffective Disorder
  • Seizure disorder
  • Severely diminished eyesight
  • Shoulder injuries
  • Speech disorders
  • Spinal cord injuries
  • Stroke related complications
  • Substance Abuse 
  • Surgeries – unexpected
  • Vertigo and chronic dizziness

WHY DO I NEED A DISABILITY LAWYER?

An experienced disability lawyer can assist in recovering your benefits owed, as well as assist in having your monthly income beneifts reinstated. Typically our disability lawyers will review your case with you – at no cost.  We can help evaluate your insurance claim and advise you on disability laws in Ontario and your options with your appeals.

If we decide to work together we will then take a detailed inventory of your clinical history, request that your medical providers send us your a synopsis of your medical history and clinical records, rehabilitation records and medication records. A claim would be started against your disbability carrier, asking a Judge for  for a “declaration” that your disability insurance carrier pay you all of the past benefits owned to you (which they denied) and order that you are reinstated on claim – meaning that your benefits will be re-started and continue.

OUR DISABILITY CONSULTATIONS ARE 100% FREE

We understand that the last thing you need after being cut-off or denied the monthly income you need is a legal bill. When you contact Lalande Personal Injury Lawyers, your disability consultation is always free and we will never ask you for money upfront. In addition, you are under NO obligation to retain our firm. We are more than happy to discuss your case with you and advise you of your legal rights.

Remember, the disability claims process is often discouraging and time-consuming. The complex language of the insurance contract adds to the frustration. If you’ve been denied disability benefits, you need an experienced disability lawyer to help protect your rights and get you the benefits your deserve. We welcome your live chat, email or telephone call in order to set up a phone or in-person consultation to answer any questions you may have about your case without charge, no matter how long it takes.

You are not alone.

Get in touch, your initial consultation with lawyer Matt Lalande is free and confidential.

start your case
905-333-8888
I’m with you every step of the way.

LTD benefit denials can be discouraging and time-consuming – so get the help you need. If you’ve been denied disability benefits it’s important to understand that it’s not the end of the road. You have the full right to challenge your disability benefit denial and let a Judge decide whether or not you are disabled as per policy definition. Don’t give up without talking to an experience disability lawyer. 

HAMILTON DISABILITY LAWYERS

WHY IT'S IMPORTANT TO SPEAK TO A DISABILITY LAWYER

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If your valid disability claim was wrongfully delayed or denied,  you should consult an experienced disability lawyer who focuses  on disability insurance cases.

We understand that being denied or cut-off long-term disability insurance can be financially disastrous to people that rely on their monthly benefits.  Most claimants that we speak to are often surprised and caught off  guard when they’re denied long-term disability benefits. If you are like most disability insurance policyholders, you too are probably surprised by your claim denial. You paid the premiums, privately or through work, for your policy as agreed. You expected to receive your benefits as agreed – and then your turned away.

It’s important that you do not delay in contacting a disability lawyer that can help you get your disability benefits back on track.  An experienced disability lawyer can provide you with proper guidance and advice on how to advance and appeal your denied disability claim. Our disability lawyers are experienced with marshalling the medical evidence needed to assist you in proving that you satisfy your policy’s definition of today disability – either being yor own occupation or any occupation to whic you are reasonably trained. Remember – the longer you wait, the longer it will take to get your monthly benefits started again.

MY ADJUSTER KEEPS TELLS ME THAT I'M NOT "TOTALLY DISABLED." WHAT DOES THIS MEAN?

Your adjuster might tell you that you do not suffer a total disability because that is the language that is used in most disability definitions within disability insurance policies. Generally speaking, total disability in the context of long-term disability insurance means two things.

The vast majority of long term disability policies in Canada provides that – a person is  considered totally disabled within the first 24 months of benefit payments if he or she is unable to perform the substantial duties of his or her “own occupation” and from carrying out its major functions. If the claimant is only able to perform minor functions of the job, then he or she is nonetheless totally disabled. This is typically called total disability of your “own occupation.”

After two years or 24 months, most disability policies disability typically switch to what is called an “any occupation”definition. A policy with the any occupation definition usually requires that the definition of total disability is satisfied when the insured person is prevented from engaging in any occupation or performing any work for compensation – for which he or she is deemed fit by education training and experience.

Normally insurance companies tend to stop disability payments at the two-year mark and make the argument that you can engage in “some type” of work for compensation, when, by law, it’s a bit more complicated than this. If your adjuster says that you are not totally disabled call us for more information so we can review your case and advise you of your rights.

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If your adjuster says that you are not “totally disabled” it’s important that you speak to a lawyer.  Total disability is a complex definition that has been argued in our Courts for decades. It’s not as simple as it seems.

Hamilton’s Disability Lawyers

DO I NEED TO COME TO YOUR OFFICE IN ORDER FOR YOUR FIRM TO EVALUATE MY CLAIM?

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No you do not. We’re certainly able to discuss your claim by telephone. We are usually able to make a determination as to whether or not your long-term disability insurance company unreasonably denied or cutoff your benefits. We are happy to schedule a free telephone conversation with you to discuss your situation. If we are of the opinion that you have a case, we will need to meet you, but if more convenient, we can visit you. Our job is to try and reinstate our clients long-term disability benefits that have been denied, as soon as possible, so we encourage you to telephone us with any questions you may have concerning your denied disability benefits.

We service disability claimants Province wide

We are Hamilton long-term disability lawyers that help claimants that have been denied long-term disability. Since 2003 Matt Lalande has assisted long-term disability claimants from Sudbury, Mississauga, Oakville, Burlington, Milton, Georgetown, Cambridge, and Castor, Burlington, Stoney Creek, Hamilton, Grimsby, Binbrook, St. Catharine’s, Niagara Falls and Welland. No matter where you are located, our long-term disability specialists are happy to speak to you about your specific situation – we are here to help.

CONTACT A HAMILTON DISABILITY LAWYER TODAY

Most, if not many people, never need to speak to a lawyer unless they buy a house or make a will. We understand that you may be apprehensive about speaking to a disability trial lawyer about your specific situation – but don’t be. We are approachable, friendly, and will speak to you about your particular disability situation at your convenience – at no cost to you.

Disability appeals are complex. Do not try and make the appeal on your own. Hiring a knowledgeable disability lawyer with experience in litigating against every major Canadian disability insurance company is the best thing you can do. We welcome your telephone call, live chat, email inquiry, form inquiry 24/7 and we would be happy to speak to you about your particular case.

Remember, we work on a contingency fee basis. This means that we do not get paid until we win your case. If we don’t, there are no fees charged to you.

You will find that a Hamilton car accident lawyer at Lalande Personal Injury Lawyers understands your worries and is easy to talk to. Please complete the contact form below or give us a call at 905-333-8888 or 1-833-4-LAWFIRM.

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Other Cases We Handle

If you suffered life-changing injuries, our Hamilton Personal Injury Lawyers can help. The following are some examples of our practice areas:

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We’re here to help. Schedule a free consultation with one of our experienced lawyers today by filling out the form below, or call us at 1-833-4-LAWFIRM

Lalande Personal Injury Lawyers

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Call us 24/7. We will travel to your rehabilitation center, home, or hospital, at your convenience.

CALL US ANYTIME

We are available to discuss your case anytime. Give us a call at 905-333-8888.

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Meeting and/or discussing your case with our legal team is completely free.