Very impressive and helpful thanks Taman Singh.
Karanvir SinghI need a legal advice, I looked up on google, his name showed up. I called him he gave me best advice. I will definitely recommend.
Kiran DI needed an employment lawyer and taman was very helpful in providing me with advice and information. He was very patient, professional and helped me get a better severance package.
Neham MarwahI think he’s very genuine and considerate I would highly recommend him. He’s a true professional who provides assurance rather than runring after money.
Gursamia KAurI was looking for a good legal adviser for the wrongful termination from my former employer. I fortunately found Taman's contact in the internet. He is an excellent adviser, very very practical and understood my situation well. He guided me very well to get out from my problem and he is very professional and helpful. I would recommend Taman to anyone who needs professional advise and guidance for any of their employment related problems.
Kiru BalaExtremely satisfied with the work by Taman Law. His expertise in employment law have been extremely helpful and I’m looking forward to working together more in the future.
Munsa K. RanaI needed help with my case regarding wrongful termination and unpaid severance, where Taman took his time and patience in making sure every detail was correct and pushed through for me time after time. He also explained in detail anything I was unsure of and clarified whatever I needed especially for me who hasn't gone through anything like this before. I strongly recommend Taman Singh as your lawyer if you're looking for a strong, dedicated, astounding person to represent you!
Cathrien Naservery good experience
Grace PresuttoVery professional, patient and very easy to work with, explained everything thoroughly and followed up regularly to ensure things with smoothly!
Givy Pavananthan
At Taman Singh Law, we represent individuals across Ontario whose long-term or short-term disability benefits have been denied, delayed, or cut off by their insurer.
We understand the tactics insurance companies use and we have the knowledge to challenge them.
From your first consultation, we will explain exactly where you stand and what your options are. No upfront fees. No payment unless you succeed. You will be supported every step of the way.
Taman Singh is a lawyer at RZCD Law Firm LLP, a firm with a long-standing commitment to the Greater Toronto Area since 1993.
A disability lawyer in Ontario helps employees whose long-term disability (LTD), short-term disability (STD), or CPP disability benefits have been denied, delayed, or cut off by their insurer.
They review your insurance policy, challenge the insurer's denial, handle all communications with the insurance company, and where necessary commence legal proceedings to recover the benefits you are owed.
In Ontario, disability claims are governed primarily by your insurance policy contract, the Insurance Act, and the Ontario Human Rights Code. Most disability lawyers work on a contingency fee basis, meaning you pay nothing unless your case is successful.
Taman Singh Law handles the full range of disability law situations in Ontario. Whether your insurer has denied your claim, cut off your benefits, or pressured you to return before you are medically ready, we have the knowledge to handle your case completely.
Your insurer has cut off your benefits. We challenge the denial, the IME report, and the change-of-definition cut-off — and we push back.
Your STD claim was denied before LTD even started. We protect your transition and make sure your insurer cannot use an early denial to block long-term coverage.
Your CPP application was denied or is pending. We handle the appeal and ensure your CPP payment does not result in an unlawful reduction of your LTD.
Your insurer says you are ready to return to work. Your doctor disagrees. We stop the pressure and protect your benefits.
Your insurer has sent you to their own doctor. We prepare you for the examination and challenge any report used to cut off your benefits.
You were let go because of your illness or disability. Under the Ontario Human Rights Code this is unlawful — and you are entitled to compensation.
You were terminated while on sick leave. The ESA and OHRC both protect you. We pursue the wrongful dismissal claim so you are not left with nothing.
Your employer has refused to accommodate your condition. Under the OHRC they had a legal duty to do so — and their refusal may entitle you to compensation.
Disability insurance claims are assessed based on policy terms, medical evidence, and supporting documentation. Understanding how these claims are evaluated can help you better navigate the process and respond effectively if a claim is denied.
Most LTD policies in Ontario define disability in two stages. For the first two years, you are covered if you cannot perform the essential duties of your own occupation. After that point, the definition shifts — you must be unable to perform any occupation for which you are reasonably suited by education, training, or experience.
Insurers routinely hire private investigators to observe claimants in public or monitor their social media profiles. A single photograph or a brief trip to a grocery store can be used to argue that your condition is not as serious as your medical evidence shows.
Your treating physician says you cannot work, but the insurer sends you to their own doctor who disagrees. Ontario courts have recognised the limitations of insurer-selected IMEs, but challenging them requires a clear strategy.
Insurers deny claims on procedural grounds like missed deadlines or pre-existing condition exclusions. These denials can often be successfully challenged, but acting quickly is essential due to strict limitation periods.
Our disability lawyers have represented Ontario employees in disputes against Canada's largest insurance companies. If your insurer is listed below, we understand their claim review process, their common denial tactics, and how to challenge them effectively.
Most internal disability appeals are reviewed by the same insurer that denied your claim in the first place and most fail. More importantly, filing an internal appeal can consume the limited time you have to commence a legal claim.
In Ontario, limitation periods for disability claims can be as short as two years from the date of denial. Once that window closes, your right to take legal action may be lost permanently. Speak with our team before you make any decision. Your initial consultation is free.
Speak with a disability lawyer before filing an internal appeal with your insurer. In Ontario, most internal appeals fail and filing one can reduce the time you have to commence a legal claim. A lawyer will review your denial letter, assess your policy terms, and advise on the most effective path forward. Your initial consultation with TamanSingh Law is free.
In most cases you have two years from the date of denial to commence legal proceedings in Ontario under the Limitations Act, 2002, S.O. 2002, c. 24, Sched. B. However, some insurance policies set shorter contractual limitation periods, and the courts have held that the limitation period begins to run from the date the insurer denies the claim — not from the date an internal appeal is exhausted. It is important to speak with a lawyer as soon as possible after receiving a denial.
Yes. Most long-term disability policies in Ontario contain a change of definition at or around the two-year mark. Benefits approved under the ‘own occupation’ definition — meaning you cannot perform the duties of your specific job — may be terminated if the insurer determines you are capable of performing any occupation for which you are suited by education, training, or experience. This is one of the most common points at which claims are cut off, and one that can be challenged with proper legal support and medical evidence.
Generally yes — most disability insurance policies in Ontario require you to cooperate with the insurer’s medical assessment process, including attending an independent medical examination (IME). However, you have rights regarding how an IME is conducted, how the report is used, and what happens if the IME examiner’s findings conflict with those of your treating physician. A disability lawyer can prepare you for the process and challenge any biased or unreliable IME report.
Short-term disability (STD) covers the initial period of illness or injury, typically the first 15 to 17 weeks, either through your employer’s group benefits plan or through Employment Insurance (EI) sickness benefits. Long-term disability (LTD) begins after your short-term benefits are exhausted and can continue, depending on your policy, until age 65. A denied STD claim can affect your eligibility for LTD — both should be reviewed by a disability lawyer together.
Yes, in most cases. CPP Disability is a federal benefit administered by Service Canada and is available to contributors who have a severe and prolonged mental or physical disability. Most group LTD policies in Ontario allow the insurer to reduce (offset) your LTD benefit by the amount you receive from CPP Disability. A lawyer can help ensure this offset is applied correctly and does not result in an unlawful reduction of the benefits you are owed.
There is no fixed list of qualifying conditions under Ontario disability insurance policies. What determines eligibility is how your medical condition affects your functional capacity to perform the duties required by your occupation — or any occupation, after the two-year change-of-definition mark. Conditions that are frequently the subject of LTD claims in Ontario include depression, anxiety, PTSD, chronic pain, fibromyalgia, cancer, heart disease, multiple sclerosis, and neurological disorders. The strength and consistency of your medical documentation is critical to the success of your claim.
Most disability lawyers in Ontario, including TamanSingh Law, work on a contingency fee basis. This means there are no upfront costs and no legal fees unless your case is successful. Your initial consultation is free. The contingency fee percentage is agreed upon at the outset and applied only to the amount recovered on your behalf. You can obtain a full assessment of your legal options without any financial commitment.
We review your denial letter, your policy, and your situation at no cost. You will know exactly where you stand and what your options are before making any decision.
We work on a contingency fee basis. There are no upfront costs and no financial risk to you. You only pay if we are successful in your case.
We handle disability claims as a core area of practice. We understand insurer tactics, policy definitions, the change-of-definition cut-off, and the Ontario legal framework that governs your benefits.
We have represented Ontario employees in disputes against Sun Life, Manulife, Canada Life, Desjardins, RBC Insurance, and Blue Cross. We know how these companies operate.
We can communicate with you in English, Hindi, Punjabi, Urdu, Tamil, and Gujarati — so you are never left without clear legal guidance in your language.
Most internal disability appeals fail — and filing one can reduce the limited time you have to start a legal claim. Speak with us before taking any next step.
