Why have your long term disability benefits been terminated?

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Book a Free Consultation

Don’t delay discussing your matter with us to find out how to build a winning case.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

Your Insurer may terminate your benefits on many grounds. The Insurer’s ability to terminate benefits arises from the terms of your policy of insurance. Policies vary and must be reviewed carefully. We recommend having your policy reviewed by a lawyer to ensure that your rights are protected.

The most common reasons for terminating benefits are:
1. Failure to provide medical records
2. Failure to provide updated medical records
3. Failure to be under the ongoing care of an appropriate medical professional for the symptoms of your disability
4. Failing to avail yourself for the insurer’s vocational rehabilitation program even if your treating physician has advised against it.

The insurer may also review the medical records your physician has provided and make their own assessment that you are able to return to your own pre-disability position believing you are able to perform substantially all of the key elements of your job notwithstanding you have substantial ongoing symptoms.

You have an ongoing obligation to keep your insurer advised of your medical status and to provide the insurer updated medical records. It is important that you see your treating physician very regularly. It is important that you ask your treating physician if referral to a specialist would be appropriate. If your insurer requests that you attend its rehabilitation program please seek a medical opinion from your treating doctor immediately and prior to attending.

If your treating physician’s recommends that you do not attend the rehabilitation program you must advise your insurer. The insurer is likely to maintain its demand that you attend the rehabilitation program even though your physician advises you against it. Failing to attend the rehabilitation program may result in termination of benefits. This is a common tactic of the insurer. Seek legal advice immediately. The Court takes a negative view of this tactic. You need a knowledgeable disability lawyer to assist you.

For more information, visit our disability lawyer section. If you have any questions, book a free consultation or call 1-855-446-7765 for immediate assistance.

Disclaimer: The content of this article is a general guideline made available for educational purposes only and is not intended to be used as legal advice for the reader’s specific situation nor in general. By reading our blog and website content, the reader acknowledges the above and understands there is no lawyer-client relationship created between you and Himelfarb Proszanski through this content. To get specific legal advice, we encourage you to book a free consultation with one of our lawyers to clarify the legal aspects of your situation.

Timing is Critical. Help is Free.

Book a Free Consultation

Don’t delay discussing your matter with us to find out how to build a winning case.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

Timing is Critical. Help is Free.

Book a Free Consultation

Don’t delay discussing your matter with us to find out how to build a winning case.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

OUR CLIENTS

What They Say About Us

Karen L.

1 day ago

I had a very positive experience working with David, Alex, and their team throughout my settlement process. Alex was professional, responsive, and helpful in guiding me through the preparation and administrative aspects of the case. Communication was smooth, and the process was handled efficiently from start to finish. David’s experience and professionalism were especially evident during the settlement stage. He took the time to explain matters clearly, answered my questions thoroughly, and worked hard to advocate for my interests throughout the process. I am grateful for their assistance and support, and I am very satisfied with the outcome. I would confidently recommend their firm to anyone seeking legal representation.

Ellis St Croix

5 days ago

⭐⭐⭐⭐⭐ — Himelfarb Proszanski (HimPro) I came to HimPro after being wrongfully cut off my Long Term Disability benefits by Sun Life Financial — one of the most stressful and overwhelming experiences of my life. From the moment I signed my retainer, I felt like I actually had people in my corner. David Himelfarb is the real deal. His experience and strategic clarity gave me confidence at every stage. He told me the truth — even when it was hard to hear — and that honesty is what helped me make good decisions, including accepting the mediation outcome. He never oversold anything and he never let me down. Mena Brar was absolutely exceptional. She handled my documentation with professionalism, patience, and precision. I had an enormous amount of paperwork and she kept everything organized and on track. She genuinely cared about the outcome and it showed in every interaction. Selene — incredible communication and follow-through. Always responsive, always on point. She made sure I was never left in the dark. This team went up against a major insurance company and a complicated situation that they made easy they delivered. If you're dealing with a disability claim denial in Ontario, don't wait — call HimPro. I'm grateful to all three of them. — Ellis St. Croix

Ellis St Croix

5 days ago

Dear David, I just wanted to take a moment to say thank you — sincerely, and from the deepest part of my heart. When I came to you, I was worn down. The longest year of fighting a system that seemed designed to make people quit had taken everything out of me. I had the truth on my side, but I didn't know if that would ever be enough. You made it enough! You took my case, you believed in it, and over the course of a year you saw it through to the end with a level of care and skill that I will never forget. It has been a long year — but the right kind of long. The kind where you know the work being done matters. The settlement we reached means I can finally breathe again. I can clear the slate, rebuild, and step into something new and re invent myself — a life I can actually look forward to. That door would not have opened without you, and I want you to know that I understood that every single step of the way. You are genuinely exceptional at what you do. But more than that, you handled everything with integrity, with patience, and with real human decency. In my experience, that combination is rare. I was lucky to have you in my corner!! Thank you so very much, David. From the bottom of my heart — truly. With deep gratitude and respect, Ellis St. Croix

Ramzi Alkhouri

4 months ago

This had been an amazing service, they know what they are doing. They got me what I deserve, they have the experience and I was very satisfied with the results. I highly recommend my family and friends to HIMPRO.

Bryan Pilon

4 months ago

HIMPRO recently represented me for an insurance claim. They are a great firm, and more importantly, genuinely good people. I highly recommend them. From the beginning, they handled my case professionally and compassionately. Mena was amazing, her attention to detail and understanding made the process so much better. David and Silene also worked on my file and they were both honest, and highly knowledgeable lawyers. I felt fully informed and I was able to trust their judgement completely. My case was resolved in a very reasonable time given my circumstances. In my opinion, you will not be able to find a better group of people to handle your legal issues.

She Silva

5 months ago

I’m very happy with David and his team. Very professional and knowledgeable. Reputable law firm.

Patricia Gooden

5 months ago

Excellent communication skills from the Receptionists to my Lawyer and the Clerks. I will always appreciate all the support and good work that they are doing i am very grateful to have them supporting me, especially Dan Holland a very patience and professional person. Thank you.

Yoav Gurevich

5 months ago

Lauren and Alisha provided prompt and honest feedback when reviewing the terms of my employment contract. They consistently prioritized my what's best for my situation throughout the entire process. Highly recommended.

Phillip Dimopoulos

5 months ago

I am so grateful to have had this incredible team on my side after my wrist was broken in in a car accident, They guided me through the complex legal process and assured I received the maximum settlement possible. I discovered first hand that our legal system demands victims have experts guide and advise them if they have any hope for a fair resolution. A huge thank you to Silene, Ingrid, Spencer and the rest of the awesome team for all their support. Phillip

Miranda Beasley

5 months ago

Alex Kluchuk from HIMPRO worked hard to get me the best result possible. The firm is communicative and thorough, and I'm grateful I had them on my side. I would definitely recommend them!

HIMPRO BY HIMELFARB PROSZANSKI

HIMPRO is a leading law firm with full service personal injury and disability insurance lawyers. We have been recognized by Best Lawyers and assigned the highest rating, AV Preeminent, from Martindale-Hubbell. We provide a combined century of trial experience which has led to the successful settlement of over 10,000 cases with combined settlement value in excess of ¾ billion dollars. Our mission is to win your case. At HIMPRO by Himelfarb Proszanski we build winning cases. That’s the HIMPRO Advantage™.

CONTACT

info@himpro.ca
1-855-446-7765

LOCATION

Toronto Disability Lawyers
480 University Ave
Suite 1401
Toronto ON
M5G 1V2
(416) 599-8080

Brampton Disability Lawyers
2 County Ct Blvd
Suite 400
Brampton ON
L6W 3W8
(905) 595-6760

Hamilton Disability Lawyers
1 Hunter St E
Ground Floor
Hamilton ON
L8N 3W1
(905) 777-8002

Kitchener Disability Lawyers
22 Frederick St
7th Floor
Kitchener ON
N2H 6M6
(519) 772-7659

Oshawa Disability Lawyers
21 Simcoe St S
Oshawa ON
L1H 4G1
(289) 634-5554