Toronto Long Term Disability Insurance Lawyer

Matthews Abogado LLP

Disability Insurance Denial Lawyer in Toronto Serving All Ontario

For over 16 years, Tom’s law practice has focused on helping those denied long-term disability insurance and other important insurance benefits.

Year Called to the Bar: 2009

Tom Yen is proud of his extensive track record helping individuals – originally denied by their insurer – recover their long term disability insurance and other important and valuable insurance coverage.

When your long-term disability (LTD) benefits are denied, it can feel like the ground has fallen away beneath you. You’ve done everything right — submitted medical reports, followed your doctor’s advice, paid insurance premiums — and yet the insurer has said, “No.”

It is so unfair to see individuals that have, in good faith, paid for years into their workplace or private disability protection policy only to be denied that protection when they need it most.

Even when your disability or illness is obvious and well-documented, insurers may still reject your LTD claim.

Behind the scenes, insurers have teams of lawyers, medical consultants, and claims managers focused on minimizing payouts. Without skilled representation, it’s easy for legitimate claims to fall through the cracks. Once an LTD claim is denied, every next step matters!

A Toronto LTD lawyer experienced in disability insurance law can review your policy, denial letter and identify weaknesses in the insurer’s position, and develop a tailored plan to recover benefits that are rightfully yours.

As far back as he can remember, Tom has always wanted to be a lawyer to protect people’s rights. As Partner and LTD Practice Group Leader at MA LTD Lawyers, Tom Yen focuses exclusively on helping people like you fight back and recover the benefits you need and deserve.

You shouldn’t have to fight a big insurance company while you are also fighting for your health. Contact MA LTD Law and let Tom take on the insurer so you can focus on your health and well-being. Get a free consultation today.

Toronto Long Term Disability Benefits Lawyer On Your Side

It is a harsh reality that many claimants whose health conditions prevent them from working will confront a denial of their long-term disability (LTD) benefits. The insurance company’s refusal often occurs at a time when clients are already vulnerable, struggling with health issues, pain, and without a steady income.

Why insurers often deny claims

Insurance companies have a vested interest in minimizing payouts. They may deny claims for seemingly technical reasons: incomplete medical records, insufficient documentation of functional limitations, ambiguity in how your condition affects work, or disagreement over causation or prognosis. In some cases, the insurer might assert that your condition does not meet the policy’s definition of “disability,” or that you haven’t satisfied waiting periods or other eligibility criteria.

Time pressure & procedural pitfalls

When your LTD benefits have been denied, you often have a limited window to appeal or initiate legal action. Missed deadlines, misfiled evidence, or a weak appeal package can doom a case before it even begins. Many claimants don’t realize that the insurer’s denial is not necessarily “final” — it can be challenged.

Complexity of the issues

Proving your claim may require medical experts, vocational assessments, and navigating legal and procedural rules. The insurance company will bring strong legal and medical resources to resist your claim.

You need an advocate in your corner who understands both the medical and legal terrain. Early in his career, Tom worked on complex claims in defence litigation, gaining firsthand insight into how insurers analyze and resist disability cases. Today, he uses that insider knowledge to protect his clients.

Tom Yen understands how insurers think: what evidence they prioritize, how they assess medical reports, and where legal weak points arise so he can work towards recovering the benefits you deserve.

Helping People Recover Insurance Benefits For:
+ Long Term Disability Claims
+ Short Term Disability Claims
+ Critical Illness Insurance Claims
+ Life Insurance Claims

In Claims Arising From:
+ Cancer
+ Heart Disease
+ Organ Failure
+ Depression and Anxiety
+ Fibromyalgia
+ Chronic Pain and Fatigue
+ Workplace Accident
+ Car Accidents or Other Injuries
+ Multiple Sclerosis (MS)
+ ALS and other Neurological Diseases
+ Any condition that affects your health and prevents your from working.

Have a policy in place? You should be able to access the benefits of that coverage.

Professional Memberships and Education

+ The Canadian Bar Association
+ The Ontario Trial Lawyers Association
+ Law Degree From University of Ottawa
+ Bachelor of Science (Honours) from the University of Toronto

Let MA LTD Lawyers Help When Your LTD Claim Is Denied

The process begins with a free consultation. You’ll meet with LTD lawyer Tom Yen to discuss your situation, review the insurer’s denial letter, and get a clear plan of action. Once retained, Tom takes over direct communication with the insurance company, so you don’t have to face intimidating adjusters or endless requests for documents. From there – Tom collaborates with your doctors, specialists, and independent medical experts to build your case and push for a fair settlement – or when necessary – prepare for trial.

LTD claimants are already under financial stress. That’s why MA LTD Lawyers operates on a contingency fee basis — meaning you don’t pay legal fees until your case is resolved successfully.

Contact Tom Yen today by phone at 647-956-4939 or scroll down to submit the contact form that goes straight to his email!