Long-Term Disability
Change of Definition LTD Lawyer Ontario | 24-Month Denial Help
Many long-term disability policies shift after about 24 months from an "own occupation" test to an "any occupation" test. That change of definition is one of the most common reasons benefits get cut off.
This page is built for people whose insurer is using that transition to terminate benefits. We review the policy language, medical evidence, and work history to challenge the insurer's position and protect the value of the claim.
What change-of-definition disputes usually require
A change-of-definition dispute is really a policy interpretation dispute. The insurer may say you can do some other work, but the practical question is whether you can reliably perform it on a sustained basis and whether the new job is actually suitable under the policy.
These claims are often won or lost on the quality of the evidence. That includes updated treatment notes, specialist opinions, and a careful analysis of what the insurer is claiming you can do.
What our team focuses on
- Interpret the policy language around own occupation and any occupation
- Review whether the insurer applied the 24-month clause correctly
- Assess whether the insurer ignored real-world job limitations
- Build evidence around functional limits, not just diagnoses
- Respond to surveillance, IME, and vocational assessment arguments
- Prepare the file for litigation or settlement discussions
Change of Definition FAQ
Questions we hear most often about this claim and the next steps.
Related pages