June 23, 2022

Should I Appeal?

Before you consider if you should appeal, let's break down what that means.

Some long-term disability (LTD) policies require the insured to first proceed with an internal review of the denial before proceeding with an action for the payment of benefits. Other policies do not require this review, instead, some policies require the insured to commence with an action for the payment of benefits within 1 year of the denial, usually the date of the denial letter.


More generally, you have 2 years from the date of the denial to commence an action for the payment of benefits. It is very important that you read your policy to ensure you know when to commence an internal review and/or when to commence an action.


Whether and when you should “appeal” depends on the merits of your case. Call me to discuss your case.

Contact Me
January 30, 2026
As a family lawyer practising in Ontario, I often see clients unintentionally harm their own case by making avoidable mistakes. Understand some of the most common mistakes to avoid.
By Catherine Colasimone January 9, 2026
The first meeting with a family lawyer can feel overwhelming, especially if you’re dealing with emotionally charged issues like separation, divorce, parenting arrangements, support, or property division. Understanding what to expect can help you feel more confident and prepared. Here’s a clear overview of what typically happens during an initial consultation with a family lawyer and how to make the most of it.
December 3, 2025
Transitioning into co-parenting after a divorce can bring new routines, responsibilities, and challenges for any family. Even when both parents are committed to supporting their children, navigating shared parenting time and decision-making responsibility can take time and patience. The good news is that with the right tools and mindset, co-parenting can be productive, respectful, and centred on what matters most, your children’s well-being.  Below are practical tips to help parents build a successful co-parenting relationship after separation or divorce.

Share To Your Social Platforms