Denied or cut off from long-term disability benefits in Canada? You’re not alone — and you don’t have to take on the insurance company by yourself. Every year, thousands of Canadians have their disability benefits delayed, reduced, or terminated without proper justification.
At Samfiru Tumarkin LLP, our long-term disability lawyers represent Canadians nationwide in disputes against insurers — including Sun Life, Canada Life, and Manulife — and have forced them to pay benefits that were wrongfully denied or cut off.
Whether your claim was denied, delayed, or cut off, our no win, no fee disability lawyers will review your case at no cost and explain your legal options before you take your next step.
Top 3 Reasons You Should Hire a Disability Lawyer
Watch this short video to understand why experienced legal guidance matters when dealing with a denied or cut-off long-term disability claim.
Why Choose Samfiru Tumarkin LLP for Your Disability Case?
Choosing a disability lawyer isn't just about experience — it's about understanding how insurers assess, deny, and terminate claims. That's where Samfiru Tumarkin LLP stands apart
Millions Recovered for Disability Claimants
Our disability law team has recovered millions of dollars for Canadians whose long-term disability benefits were denied, delayed, or cut off — by challenging insurer decisions and enforcing policy rights.
Insider Knowledge of Insurance Company Tactics
Some of our lawyers previously worked for major insurance companies. That experience gives us practical insight into how disability claims are evaluated, where insurers overreach, and how denials are justified on paper — and challenged in reality.
No Win, No Fee Representation
You don’t pay legal fees unless we win your case. Our contingency fee model allows clients to pursue legitimate disability claims without upfront financial risk.
A Proven Record Canadians Trust
With thousands of positive client reviews and decades of combined disability law experience, our results reflect consistent outcomes — not one-off successes.
Recognized as the Best Disability Lawyers
We are proud to be named one of Canada’s Best Law Firms in 2024 by The Globe and Mail, a testament to our unwavering commitment to client satisfaction and legal excellence. With over 2,000 five-star reviews and dedicated educational programming on Global TV, CTV, and CP24, Samfiru Tumarkin LLP is recognized as Canada’s leading authority on disability law.
Success Stories
Julie Austin
Teacher's LTD Denial Overturned.
Recovered over $113,000 for an educator wrongly denied LTD benefits.
Sandra Bullock
Benefits Reinstated After Caregiving Misjudgment.
Challenged Sun Life’s decision to cut off LTD after misinterpreting caregiving duties.
Mitch Murphy
Paralysis Claim Wrongly Rejected.
Forced insurer recognition of paraplegia and restored benefits.
Amanda Jollymore
Wrongly Cut Off During Mental Health Crisis.
Successfully reversed an LTD termination despite full medical support.
Meet Your Team
Find out more about the long-term disability lawyers at Samfiru Tumarkin LLP. Our firm has produced results for tens of thousands of Canadians.
Your Team
How We Can Help You Win Your Long-Term Disability Claim
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Claim Denials and Appeals
If your claim has been denied or cut off, we’ll thoroughly review your case and take swift action to secure your benefits.
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Building a Strong Case
We ensure your insurer has all the necessary medical evidence, making it clear they’ve made the wrong decision and that you deserve compensation.
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Dealing with Insurance Companies
We take on the insurance company directly, handling all negotiations on your behalf, so you can concentrate on your health and well-being.
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Securing Your Benefits
Our mission is to ensure you get every dollar you’re legally entitled to, so you can move forward with financial stability.
Types of Disability & LTD Claims We Handle
Long-Term Disability (LTD)
Helping you secure and protect long-term disability benefits when illness or injury prevents you from working. We challenge unfair denials, terminations, and insurer tactics designed to cut off benefits early.
Short-Term Disability (STD)
Guidance through short-term disability claims, delays, and denials — including protecting your transition from STD to long-term disability when insurers try to block coverage.
CPP Disability
Assisting with CPP Disability applications, denials, and appeals, and ensuring your CPP benefits are properly coordinated with private LTD payments.
Forced Return to Work
Protecting you if an insurer pressures you to return to work before your doctor says it’s safe — a common tactic used to justify cutting off LTD benefits.
Independent Medical Examinations (IMEs)
Helping you prepare for — and push back against — insurer-requested medical exams, including biased or unfair IME reports used to deny or terminated benefits.
Terminations Due to Disability
Defending employees who were terminated because of illness or disability, and pursuing compensation when employers or insurers violate your rights.
Taking on Canada’s Largest Insurance Giants – Your David vs. Goliath Moment
At Samfiru Tumarkin LLP, our disability lawyers have a proven track record of going up against the largest insurance companies in Canada–and winning.
Below are some of the insurers we’ve successfully held accountable, helping our clients face their own David vs. Goliath challenges with confidence.
Real People, Real Results★★★★★2,000+ Five-Star Reviews
What to Expect When Working With Us
Free Consultations
We’ll review your case and give you a clear understanding of your options, free of charge.
Ongoing Communication
We provide regular updates and are always available to answer your questions, so you’re never left in the dark about your case.
Full-Service Claim Process
From start to finish, we handle every aspect of your claim, whether through negotiation or legal action, ensuring nothing falls through the cracks.
Personalized Strategy
We tailor our approach to fit the unique details of your case, ensuring the best possible outcome for your specific situation.
Provinces We Serve
Our disability law team represents clients across Canada (excluding Quebec) in long-term disability disputes, including claims that have been denied, delayed, or cut off by insurers.
We regularly assist individuals under provincial disability insurance laws in Ontario, Alberta, British Columbia, Manitoba, Nova Scotia, New Brunswick, Newfoundland and Labrador, Saskatchewan, and Prince Edward Island.
FREE Interactive Resources
Our resources include our popular virtual tools, livestreams, FAQs, dynamic TV and radio programs, and in-depth articles.
Pocket Disability Lawyer
Use our interactive tool to find out if you're owed compensation following a disability claim denial.
Get Answers NowDisability Law Livestreams
Get legal advice and insight into your long-term disability claim through our lawyer-hosted livestreams.
Streaming Schedule
Trusted Voice in the News
Our prominent lawyers are constantly called upon by local media and national publications, to opine on topical issues. Find our 1,000+ interviews here.
Helpful Resources for Disability Claimants
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FAQs on LTD
Samfiru Tumarkin LLP has created a library of legal resources to help answer common questions about long-term disability claims and denials. -
Medical Conditions
Learn more about medical conditions that may qualify for long-term disability benefits in Canada — and what to do if your claim is denied or cut off.
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Other Claims
We also represent clients in related insurance disputes, including short-term disability, life insurance, critical illness, mortgage insurance, and personal injury claims. -
Lost Your job?
Employment law and disability claims often overlap. Learn how severance pay can reach up to 24 months when job loss and medical issues intersect.