If your long-term disability (LTD) benefits have been denied, delayed, or terminated, you are not alone. Our long term disability lawyers can assist. Call us for a free consultation today.

 

Insurance companies routinely deny valid disability claims, leaving policyholders without the financial support they need. At Randy Ai Law Office, we specialize in challenging LTD denials, appealing wrongful claim rejections, and commencing lawsuits against insurance companies to ensure our clients receive the benefits they are entitled to.

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We Help Employees & Policyholders Fight Unfair LTD Denials

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When an insurance company refuses to pay your long-term disability benefits, it can put your health, finances, and future at risk. Whether you are suffering from a chronic illness, mental health condition, or work-related disability, we provide expert legal representation to challenge unfair insurance practices and maximize your benefits.

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Common Reasons Insurance Companies Deny LTD Claims:

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• Lack of medical evidence – Insurers may claim you don’t have enough documentation to prove your disability.

• Pre-existing condition exclusions – Some claims are unfairly denied due to alleged pre-existing conditions.

• Surveillance or social media monitoring – Insurers often use misleading evidence to argue you’re not disabled.

• Failure to meet the "total disability" definition – Insurance companies may claim you are still able to work.

• Missed deadlines or procedural errors – Even minor filing mistakes can lead to denied claims.

• Independent medical examinations (IME) disputes – Insurance doctors often minimize or misrepresent your disability.

 

No matter the reason for your LTD denial, we are prepared to fight back with a strong legal strategy tailored to your case.

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How We Help You Appeal LTD Denials & Fight Insurance Companies

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At Randy Ai Law Office, we take an assertive approach in holding insurance companies accountable. We provide personalized legal support for clients facing LTD denials and insurance disputes by:

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✔ Filing strong disability appeals with compelling medical and legal evidence
✔ Negotiating with insurance companies to reinstate benefits
✔ Taking legal action against insurers for wrongful denials, bad faith, or unfair practices
✔ Representing clients in lawsuits to recover full compensation for lost benefits, interest, and damages

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Why Choose Randy Ai Law Office for Your LTD Denial Case?

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• One of the top Employment & Disability Law Firms in Canada – Recognized as a leading firm for disability and employment law.

• Proven Track Record in LTD Lawsuits – We have successfully helped clients recover their disability benefits and win cases against major insurance companies.

• No Upfront Fees – We Win When You Win – We work on a contingency basis, meaning you pay nothing unless we recover benefits for you.

• Strong Legal Representation Against Insurance Giants – We don’t let insurance companies intimidate or manipulate our clients.

• Dedicated, Personalized Service – Every case is unique, and we provide tailored strategies to maximize your benefits and protect your rights.

 

Who Can We Help?

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We represent employees, professionals, and individuals from all industries who have had their LTD claims denied, delayed, or cut off by insurance companies such as:

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• Manulife, Sun Life, Canada Life, Desjardins, RBC Insurance, Great-West Life, Blue Cross, and Industrial Alliance etc.

• Employees covered under group insurance plans from their workplace.

• Self-employed professionals with private disability insurance policies.

• Individuals struggling with disabilities such as chronic pain, depression, anxiety, PTSD, fibromyalgia, heart disease, and neurological disorders.​

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Take Action Now – Get the Disability Benefits You Deserve

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Don’t let your insurance company take advantage of you. If your long-term disability claim has been denied or terminated, you have legal options to fight back. Contact Randy Ai Law Office today for a free consultation, and let us help you secure the financial support you are entitled to.

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