If your LTD claim is denied, take these steps:

1. Request the denial letter - Get detailed reasons for denial in writing

2. Review your policy - Understand your coverage and appeal rights

3. Gather medical evidence - Collect all relevant medical records and reports

4. File an appeal - Usually within 180 days of denial

5. Consult a disability lawyer - Multilingual legal help is available

6. Continue treatment - Keep seeing doctors and following treatment plans

7. Document everything - Keep records of how disability affects daily life

Common reasons for denial: Insufficient medical evidence, pre-existing conditions, return-to-work capability disputes.

Don't give up - many denials are successfully appealed with proper legal representation.

Our contingency fee arrangement means:

• No upfront costs - You pay nothing to start your case

• No legal fees unless we win - We only get paid if you receive compensation

• We advance all expenses - Medical reports, expert witnesses, court costs

• Transparent fee structure - Everything explained clearly in Persian if needed

• Cost protection insurance available - Protects against unexpected legal costs

Important: Contingency fee rates vary and are subject to Law Society of Ontario regulations. Specific fee arrangements will be discussed and agreed upon in writing during consultation.

سیستم حق الوکاله مشروط - فقط در صورت موفقیت پرداخت