416-460-6823Serving All Of Ontario
Years Experience
Millions of Dollars
Recovered
Over97%Success Rate
No Fee Guarantee
Lexpert Ranked
Lawyer
Dozens of Five Star Google
Reviews
Michael Jordan is a long term disability lawyer with more than 18 years experience resolving denied LTD claims. Michael recovers millions of dollars for his clients every year, with a success rate of over 97%.
Michael provides no cost long term disability advice and free LTD case evaluations. There are no fees unless you win your claim.
If you have been denied long term disability insurance benefits, or have a general question related to your LTD claim, contact Michael now for fast free legal advice. All calls and form submissions go directly to Michael, and response time is usually immediate.
Don’t Let The Insurance Company Get Away With An Unfair Denial!
QUADRIPLEGIA
$1,950,000
Our client sustained serious injuries in a motor vehicle accident. She advanced claims against her insurance company for income replacement benefits, medical expenses, and cost of care. The claim settled for close to $2 Million dollars.
BIPOLAR DISORDER
$575,000
Our client was a successful business person. When his long term disability claim was denied, he retained Michael Jordan to take legal action against the LTD insurer. Expert medical evidence that was instrumental in resolving the case.
DEPRESSION
$400,000
Our client was unable to work due to debilitating depression and anxiety. The disability insurer denied the claim, but when faced with litigation, a settlement was achieved allowing the client to focus on his recovery.
CANCER
$400,000
Our client was diagnosed with life threatening cancer, which resulted in a severe psychiatric response. The claim was denied based on an exclusion in the policy. The exclusion, however, was poorly drafted and the case quickly settled.
LONG COVID
$275,000
Brain fog, fatigue, and inability to focus and concentrate were the main symptoms. The LTD insurer denied the claim due to lack of "objective medical evidence", even though there was no requirement in the policy to provide objective evidence, and the nature of the impairments were inherently subjective. The case settled after litigation was commenced.
PSYCHOSIS
$270,000
The claim was denied because our client was not participating in appropriate treatment, but his mistaken belief that he did not need treatment was a symptom of his disability. An expert psychiatrist was retained to provide opinion evidence that the failure to participate in treatment was a symptom of the underlying illness. The case quickly settled.
CANCER
$267,000
Our client had surgery to remove the tumour, but was left with severe chronic pain and anxiety. An opinion from an expert oncologist supported disability and a fair settlement soon followed.
VERTIGO AND NAUSEA
$255,000
The long term disability insurer did not believe our client’s self reported symptoms. During the litigation, extensive medical records and reports were obtained that supported disability.
CHRONIC FATIGUE
$250,000
The claim was denied because there was no medical explanation for the sudden onset of chronic fatigue syndrome. Two expert reports were secured, and the case settled at mediation.
ANXIETY
$250,000
Our client suffered from severe anxiety that made work impossible. Despite this, her LTD claim was denied. It settled shortly after a lawsuit was commenced.
CHRONIC PAIN
$250,000
Our client was involved in a motor vehicle accident many years ago. He continued to suffer chronic pain, but the LTD insurer denied his claim. Expert opinion evidence helped secure the settlement.
MIGRAINE HEADACHES
$240,000
The insurance company denied the claim after the two year “own occupation” test of disability changed to “any occupation”. Evidence was secured that the client could not work in any job, and the case resolved.
Previous results are not necessarily indicative of future results. Contact Michael Jordan, long term disability lawyer, for an assessment of your claim.
Call For Fast Free Advice: 416-460-6823
All Form Submissions Go Directly To Michael
Response Time Is Usually Immediate: Speak With Michael Now!
Michael is a Lexpert ranked long term disability lawyer.
This prestigious recognition is limited to just a select few plaintiff side LTD lawyers in Ontario. Lexpert states Michael was “repeatedly recommended” in 2023 and 2024, based on an extensive peer review process.
Lexpert ranked lawyers are acknowledged as leaders in their fields, prominent in their practice areas and professional organizations, and professionals worthy of significant recognition from their colleagues.
Long term disability insurance companies deny claims all the time. Often denials are improper. How do you effectively respond? The insurer will not take you seriously without a long term disability lawyer they know and respect.
When you retain Michael Jordan to be your long term disability lawyer, the insurance company will immediately take your claim from the adjuster who denied your benefits, and transfer it to a defence lawyer whose primary objective is to settle your case before it goes to court. Less than 1% of LTD cases go to trial.
Disability insurers know that if your case goes to trial with representation from a skilled LTD lawyer, the judge is much more likely to side with you, an individual who cannot work due to illness or injury, over the interests of a multibillion dollar insurance company that is supposed to be in the business of paying claims.
Long term disability settlements usually consist of a single lump-sum payout for both past benefits owing and future disability benefits. How far into the future will depend on many factors, including your age, the benefit amount, and how strong the medical evidence is.
Once your long term disability claim is resolved, you no longer have to deal with the LTD insurer. The settlement funds should provide you with enough money to help restore your finances and provide you with a buffer so you can focus on your recovery, free from interference from the insurer.
Michael has more than 18 years experience successfully litigating long term disability insurance claims. He recovers millions of dollars for his clients every year and is highly respected by the lawyers retained to defend insurance companies. There are never any legal fees unless the case is resolved in your favour.
Lexpert ranks Michael as one of the leading long term disability lawyers in Canada. He has more than 75 five star Google reviews. Michael is also personable, compassionate, client oriented, and available to answer your questions. Unlike some firms, you will not be passed off to an associate lawyer or law clerk. Michael will be your long term disability lawyer from beginning to end. There is no need to book an appointment, all calls and form submissions go directly to him.
You have already made the right decision to search for a Long Term Disability lawyer. Your next step should be to contact a lawyer who can advise how you should proceed, or answer any questions you may have. Long Term Disability claims are complex, and require the expertise of a skilled litigator with extensive LTD experience. Be sure to at least consult with a lawyer before taking any steps on your own. There is no fee and no obligation.
Long Term Disability policies have different definitions of what it means to be disabled. The test for the first two years is usually whether you can perform your "own occupation", meaning the essential tasks of your job before you became disabled. Beyond two years, this usually changes to the more difficult "any occupation" test, meaning you must be disabled from any occupation for which you are reasonably suited having regard to your education, training, and experience to continue to receive benefits.
These definitions are NOT as difficult to meet as they sound. Insurers often unfairly apply the these terms to justify denial. A Long Term Disability lawyer will find weaknesses in the insurer's position, obtain additional records, and retain experts to prove you meet both the own occupation and any occupation tests of disability.
The timelines to appeal and commence a lawsuit are different. Even if you have missed the deadline to appeal, you still may be in time to start a lawsuit. There are strict deadlines that apply, however, so you should seek legal advice as soon as possible from a Long Term Disability lawyer.
Sometimes it makes sense to appeal, such as when new medical information is available that was not part of your initial application. But more often than not, appeals fail. Keep in mind your appeal is to the same company that denied your claim. An appeal usually only results in delay, frustration, and a depletion of your savings. In most cases, it is better to commence a lawsuit without appealing. Lawsuit success rates are much higher than appeals.
Not all LTD benefits are taxable. If you do have a taxable plan, and a lawsuit results in a settlement, generally only payment of past disability benefits are taxed. If the settlement includes payment of benefits into the future, as most settlements do, that portion is not taxable.
Employers should not terminate your employment so long as you are disabled unless it can prove "undue hardship" or "frustration of contract". If you are terminated, your LTD benefits will continue so long as you remain disabled. You are also entitled to fair severance pay, often much more than the minimums outlined in the Employment Standards Act or offered by your employer.
CONTACT MICHAEL TODAY!
416-460-6823
Michael Jordan
Jordan Honickman Barristers
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