Hamilton Long-Term Disability Lawyers


Our Hamilton Disability Lawyers have been helping the disabled in Hamilton and surrounding areas since 1984. Matt Lalande and Karen Camporese have recovered millions for Hamilton claimants who have been wrongly denied their Long-Term Disability Benefits. Remember, our consultations are ALWAYS, and you will never pay our lawyers upfront.

You’ve paid your long-term disability premiums on every single paycheque, and now your disability insurance company has cut off or denied your long-term disability benefits. We understand that you don’t know where to go or where to turn. You don’t know who to talk to or who to hire to help. Our Hamilton Disability Lawyers understand that you might not know if the “internal appeal” is the best thing. We understand that you are frustrated that your adjuster has seemingly created an adversarial relationship or worse – no one is responding to your worries, questions or concerns – and now you’re left without income.

It’s important to know that as a disability claimant who’s been denied long-term disability benefits, you are fully entitled to hire your own Hamilton long-term disability lawyer to help get your benefits back on track and get you the compensation you deserve. If you’ve been denied your long-term disability, it’s important that you contact our Hamilton Disability Lawyers as soon as possible. We can provide the help you need to get the disability benefits you deserve. Contact us for more information or to schedule an appointment with our firm. Call us today, toll-free, no matter where you are in Canada, at 1844-DISABILITY or fill in a contact form on our website, and we will be happy to get right back to you.

You have the right to hire your own Hamilton Disability Lawyer.

If you file for long-term disability benefits and your insurance company unreasonably denies your long-term disability application or has stopped paying your long-term disability benefits, you have the right to hire your own Hamilton long-term disability lawyer to help fight for you. We understand that being denied long-term disability benefits can be difficult and overwhelming. We understand the incredible stress and possible financial disaster that individuals and families face when their disability insurance carrier cuts off their long-term disability benefits and leaves them suddenly without any income.

You may feel alone and unsure of your rights – or worse, you may not even realize that you have the right to hire a Hamilton Disability Lawyer.

The reality is that an experienced Hamilton Disability Lawyer can help protect your rights by ensuring that you receive the full benefits that you deserve. Since 1984, our Hamilton Disability Lawyers have secured millions of dollars in wrongfully denied disability benefits for claimants across Ontario. We are proud to say that we have represented claimants at various stages of denied disability benefits and litigated against every major Canadian Disability Insurance Company.

If you have been denied or cut off from your long-term disability benefits, don’t give up the fight. Matt Lalande and Karen Camporese are Hamilton’s long-term disability lawyers who have been fighting for people who have been denied disability benefits for over two decades. Matt and Karen are disability lawyers who have represented many disability clients in Hamilton and surrounding areas – such as Ancaster, Waterdown, Dundas, Stoney Creek, Grimbsy and Binbrook.

If you have been denied disability benefits, our Hamilton Long-Term Disability Lawyers can help, no matter which stage of the disability benefits claims process you are at. Our consultations are 100% free and if we decide to work together, the fee is always free. You will never pay any legal fees unless we win your case.

Are you actually in Hamilton?

Yes, our Long-Term Disability Lawyers are local to Hamilton. Our Disability Law Firm’s head office is located at the corner of King and James in the CIBC tower. From our head office, we serve disability claimants in Hamilton and throughout Ontario and Canada.

Are Consultations with your Hamilton Disability Lawyers Free?

Yes – the last thing you need while you are not working and cut off your long-term disability benefits is another bill to pay. We understand that you are more likely than not to experience profound financial difficulties as a result of your disability benefits getting denied or terminated. You may now find yourself trapped in a vicious cycle of financial strain, which can exacerbate your physical and mental health issues and leave you vulnerable to further hardships. This is why our Hamilton Long-Term Disability Lawyers never charge individuals to discuss their long-term disability issues. Our consultations are 100% free, always. Our Hamilton Disability Lawyers will take all the time you need to talk about your and provide you with legal options that you can understand – and put you in a better place to make well-informed decisions about whether to go forward with a case or not.

With our Hamilton Disability Lawyers, the Fee is Always Free

Our Hamilton Disability Lawyers fully understand that the last thing you need to be worrying about after being denied your monthly disability income is a legal bill. That’s why when you contact Camporese Lalande Disability Lawyers, your disability consultation is always free, and we will never ask you for money upfront – under any circumstances. Our Hamilton Personal Injury Lawyers work on a contingency fee basis. The following are some FAQs surrounding contingency fees and how they work.

What are contingency fees? Contingency fees are a common form of payment arrangement that benefits people who do not have the financial means to pay advanced lawyer’s fees. This kind of fee structure puts the risk of success on the lawyer, who only receives payment for their services if they win your case. It also eliminates any out-of-pocket costs to you, as the lawyer will take their fee at the end of the case when other funds become available, such as a settlement or court award. By having an arrangement like this, clients can be assured knowing their lawyer will fight diligently for them to obtain a successful outcome.

Do I owe anything if I lose the case? No. If we do not win your case, we will not charge you any legal fees.

How are contingency fees calculated? When a settlement or Court verdict is favorable to the client, the lawyer’s fee is calculated as a percentage of the total amount obtained. The contingency fee percentage can be discussed between lawyer and client prior to engagement and will typically range from 25% – 30%.

Are contingency fees negotiable? – In most cases not really – the cost of litigating a disability claim is extremely expensive and takes an exceptional amount of resources to move a case to and through trial. Before signing any contract, you and your lawyer must agree upon the fee percentage that will be charged in the event of success. This percentage typically ranges between 25% and 33.3%, depending on the case’s complexity and other factors. After a settlement or court ruling has been achieved, your lawyer will be paid out accordingly. It is essential that this agreement is discussed thoroughly and understood clearly before contract signing to avoid unforeseen expenses or issues down the line.

What Medical Conditions Qualify for Long-Term Disability?

The medical conditions which we routinely assist with are ereferencedthe bottom of this page. We routinely assist claimants with cancer disability claims, mental health disability claims, chronic illness disability claims and injury disability claims.

After years of Paying your Premiums, your Insurance Company refuses to pay you in a time of need. It’s something our Hamilton Disability Lawyers have seen time and time again.

If you have suffered a total disability, meaning that you are medically unfit to perform the substantial duties of your occupation, you may qualify for long-term disability benefits in Hamilton. Disability benefits are “piece of mind” benefits – meaning you paid premiums for years in exchange for your disability insurance company’s promise to pay you a replacement income if you become sick or hurt.

Despite this, some insurance companies unreasonably deny disability benefits to properly qualified claimants who are suffering. The system is complex, making it even more crucial that you speak to a Hamilton disability lawyer today to learn your rights.

If you live in the Hamilton area and your insurance company has cut off your disability benefits without proper cause, you should immediately speak to a Hamilton long-term disability lawyer who has experience with disability contracts. Most disability policies in Canada state that claimants are entitled to payment of benefits if they meet their policy definition of “total disability”.

By definition, “total disability” is when you are no longer able to perform the substantial duties of your “own occupation”,  regardless of whether you may or may not be able to work another job.  After two years under these terms, most disability policies contain a change of definition – which changed the definition of “total disability” from “your own occupation” to “any occupation”, meaning that you must be unable to perform the activities of any occupation for which you are reasonably suited by your professional and academic background. It’s normally at this juncture that disability companies cut off disability benefits.  Insurance companies will usually argue that you are able to do “some type of job”, an assessment which may not be entirely legally proper. Although it’s true that insurance companies can cancel your benefits if they find that you no longer meet the definition of “total disability, it’s also often the case that rogue insurance adjusters will cut off benefits without cause or reason.  If this is your situation, you have the right to reach out to a disability lawyer to make a claim for benefit reinstatement.

Why do I need a Hamilton Disability Lawyer?

Disability claims are extremely challenging to litigate and require a legal professional with expertise to be successful.

If you think that your insurance company is being unfair and wrongfully denying your disability benefits, you have rights – and you should speak with an experienced long-term disability lawyer in Hamilton to learn what you may be entitled to. It’s important that when choosing a Hamilton long-term Disability lawyer to litigate your care, you hire a disability lawyer with expertise in disability insurance law – without exception. Remember, you have one shot at making things right and having the right experienced lawyer on your side can make a difference between success and failure.

At our firm, our Hamilton disability lawyers will go over your case with you – at no cost.  We can help assess your insurance claim and provide you with our professional opinion as to how to best proceed with your case.  If we decide to work together, we will then take an in-depth look at your clinical history and request copies of your medical history and clinical records, as well as rehabilitation records and medication records. We typically file suit against your disability carrier within two weeks of retaining the firm. Your lawsuit will ask a Judge for a judgment declaring you totally disabled pursuant to your disability policy. We will request judgment that your disability insurance carrier pays your arrears (past benefits owed to you (which they denied)to the date of trial, and request an order that you be reinstated on the claim. Always keep in mind that as the claimant, you have the burden of proving your disability – and your best shot at doing so is by hiring our experienced Hamilton disability lawyers to advocate on your behalf.

Why do Disability Insurance Companies deny Claims?

Insurance companies often hire medical professionals to conduct health assessments, which, of course, will find that you are in “good enough” health to work. In reality, these doctors (who might not even be qualified enough to provide an accurate recommendation or opinion about your condition) would more than likely send their own patients to an actual medical specialist. For the purposes of supporting a disability insurer’s claim against you, however, they’re happy to go ahead and provide an opinion on a claimant’s matter, whether or not they are competent in that field of medicine related to your disability.

Insurance companies will also try to deny disability claims against those who are more well-off by suggesting that you stopped working out of choice or burnout rather than as a result of your genuine disability. If that doesn’t work, insurance companies will often have to hire staff to follow you and try to get evidence of you doing something that would contradict your medical records and prove that you’re capable of doing more than you claim.

Adjusters often also deny disability claims based on digital media investigation. When someone with a disability files an application for long-term disability benefits, they should expect that disability insurance companies will investigate their social media accounts to determine whether or not their profiles are consistent with their medical complaints.

No matter what the reason – the important thing to remember is that our Hamilton long-term disability lawyers have represented claimants all over Ontario who have been denied their long-term disability benefits and have dealt with every form of denial imaginable. Our Hamilton disability lawyers can provide you with proper guidance and professional advice on how to legally proceed with your denied disability claim.

Hamilton Disability Lawyers and Google Reviews

Reading online reviews can be a valuable part of your research when seeking a Hamilton Disability Lawyer. While personal recommendations are incredibly important, online reviews offer additional perspectives and insights that can help you make an informed decision. Consider the following:

Broader Perspective: Online reviews provide a wider range of experiences and opinions from past clients. This can give you a more comprehensive understanding of the lawyer’s strengths and weaknesses.

Identifying Patterns: If you notice recurring themes in the reviews, whether positive or negative, it can indicate a pattern in the lawyer’s service. For example, if multiple reviews mention the lawyer’s promptness in communication, it’s likely a reliable strength.

Insight into Client Experience: Reviews often detail the client’s journey, from the initial consultation to the case outcome. This can give you a sense of what to expect if you choose to work with that lawyer.

Red Flags: Negative reviews can alert you to potential issues, such as lack of communication, unprofessionalism, or unsatisfactory case outcomes.

However, it’s important to approach online reviews with a critical eye and look for:

Authenticity: Not all reviews are genuine. Some may be written by the lawyer’s friends or family, while others may be posted by competitors attempting to tarnish their reputation. Our reviews are 100% real and authentic – that is a guarantee.

Extreme Opinions: People are more likely to write a review if they had a particularly good or bad experience. This can lead to polarized opinions that may not represent the average client’s experience.

Lack of Context: Reviews often lack the full context of the case. A negative outcome might be due to factors beyond the lawyer’s control, but this context may be missing from the review.

Outdated Information: Laws, practices, and even lawyers can change over time. An old review may not reflect the current reality.

Despite these limitations, online reviews are still a useful tool in your research. Look for patterns, read between the lines, and use the insights gained to inform your questions when you meet with potential lawyers.

While online reviews should not be the sole basis for your decision, they can provide valuable information to supplement personal recommendations and your own research. Approach them critically, but don’t discount them entirely. They are another puzzle piece in finding the right Hamilton Disability Lawyer for your needs.

Why does my adjuster keep telling me that I am not “Totally Disabled”?

Your insurance company may be saying that you do not suffer a “total disability” because that is the language which is used in many disability insurance policies to define and determine whether or not a claimant is entitled to disability benefits. The terms are contractual definitions that unfortunately – disability claims adjusters almost take literally.

Typically, “total disability” in the context of long-term disability insurance can mean two things. Firstly, most long term disability policies in Canada will consider a person to be totally disabled in the first 24 months (2 years) of benefit payments if he or she cannot perform the substantial duties of his or her “own occupation” satisfactorily. Even in cases where an individual is able to independently handle minor aspects of the job, he or she can still be considered totally disabled if the substantial duties of his or her own job cannot be completed. This is referred to as total disability of your “own occupation” – or your adjuster might have mentioned the words “own occ”.

After the initial 24-month period, a large number of disability policies disability will switch to what is called the “any occupation” definition, which means that a person will be considered totally disabled if he or she cannot work at any occupation (“any occ”) for which he or she is suited by their education, training and experience. It’s common to hear that insurance companies will stop disability payments at the two-year mark and claim that you are capable of doing “some type” of work for compensation. This is the juncture where disability insurance companies will try and perform transferable skills analysis” or other means of vocational testing to try and prove that you can do some type of work.

Do I need to come to your office for a disability consultation?

You do not! Whether it’s online by Zoom, Facetime or on the telephone, we have the technology and are able to connect with you about your situation remotely. It’s been our experience that it doesn’t take us much time to make a determination as to whether or not your long-term disability insurance provider unreasonably denied or cut off your benefits. We are happy to schedule a free consultation with you to discuss your situation. If we believe that you have a legitimate case, we are more than happy to meet with you by Zoom, Facetime or Google Meet whenever you need. Our Hamilton disability lawyers also have the technology to serve clients remotely – from the start to the finish of their case. In addition, you can have access to your files digitally, and any and all signatures or anything else we need from you can certainly be done remotely – quite simply, by way of a video conference and digital documentation signing.

I’ve been denied my long-term disability benefits. Where do I start? How do I hire a Hamilton Disability Lawyer?

If you become unable to work because of an injury or an illness and have access to long-term disability benefits, you may have already found that either filing a long-term disability claim or dealing with a disability denial can be a frustrating and complicated process – but remember. Matt Lalande and the lawyers at Camporese Lalande are here to help. Our Hamilton disability lawyers understand that disability claims are complex cases with a lot of moving parts – and trying to fight your disability insurance company on your own is never a good idea. Disability insurance companies know that it is very difficult for most people to understand how to properly apply for and appeal a disability insurance claim – and in the end, know that you have no recourse against them unless you hire an experienced lawyer to fight for you.

Remember – whether you’ve been denied long-term disability from an individual policy or group policy provided to you through your employer, you have legal rights. Our disability lawyers have earned the respect of disability insurance companies all over Ontario because they know that we are dedicated, organized and passionate about what we do. The first step after being denied long-term disability benefits is to call our Hamilton disability lawyers today to book your free consultation and to discuss how we can help get your benefits back on track.

Call our Hamilton Disability Lawyers if you’ve been denied your Long-Term Disability Benefits.

If you have been relying on long-term disability benefits because you unable to work, you may have already found that dealing with your disability claims adjuster can be a frustrating and complicated process. The spying on you and your family, the constant overriding of your doctor’s medical advice, the refusal to request all of your medical records to make an informed decision, sending you to so-called “independent” medical examinations by doctors who are paid by your disability insurer and dealing with insensitive and condescending disability claims adjusters – we’ve seen it over and over again. Then, the process is even more frustrating and complicated if an insurance company has wrongfully denied your claim.

Our Hamilton Disability Lawyers understand our clients’ challenges that come with dealing long-term disability insurance claims and dealing with a disability claim denial, and challenging a benefit underpayment. We know that such cases require attention to detail and focus on key issues.  We understand that insurers have a financial incentive to deny your claim and will use any and every tool at its disposal to deny your claim, but we also know how to fight back, and we regularly fight for people just like you.  We understand disability law, how to best present a legal disability claim, what medical information and medical experts will best assist with your case, and how to try your case if your claim is denied altogether.

Long Term Disability benefits lawyers Matt Lalande and Karen Camporese are their disability insurance team and are here to help. Our consultations are 100% free – and if you decide to work with our Hamilton disability lawyers, the fee is free. We do not charge our clients anything unless we win their case. We are happy to provide you with the legal advice you need in order for you to make an informed decision about your own particular situation. Call us no matter where you are Nationwide at 1-844-4-DISABILITY, or alternatively, you can send us a confidential email through our website – and we would be happy to explain your long-term disability rights and legal options to you at no cost.



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Hamilton Disability Lawyer FAQ

I’ve been cut-off long-term disability, what do I do?

We understand that this is a confusing time and you may be upset. However, if you’ve been cut off or denied your long-term disability benefits, its essential to get legal advice from a disability lawyer now. Remember that you may still be entitled to your monthly benefits even though they have been denied.

Do your Hamilton Long-Term Disability Lawyers only serve Hamilton?

We do not! Our head office is based in Hamilton and we serve disability claimants all over Ontario and throughout Canada. We serve nationwide.

Are consultations with a Hamilton disability lawyer free?

Speaking with our Ontario disability lawyers is ALWAYS free. We never ask for payment upfront.

Why do disability insurance companies often cut-off long-term disability benefits after 2 years?

Generally most disability policies have a change of definition. During the first two years of being on disability, a claimant only needs to be substantially disabled from performing the regular duties of his or her own job, but this definition is often changed after two years. After two years, a claimant must be totally disabled from any employment for which he or she has training and background in order to qualify for disability benefits. Essentially, definition changes make it more difficult for claimants to obtain disability benefits and, that’s when most disability carriers cut claimants off the plan.

Can I have my free consultation with a Hamilotn disability lawyer virtually?

Absolutely. We understand that you might be uncomfortable, especially if you suffer from anxiety or another debilitating mental illness. We represent disability claimants all over Ontario, and are more than happy to meet you via Zoom, Google Meet or Facetime. Also, our office technology is set up to allow for remote file and digital signature access, so our lawyers are fully operational remotely.

Can I lump or settle out my LTD benefits?

This may depend on the particulars of your case. When a disability lawsuit is filed, you are asking that a Judge declare you “totally disabled” according to the definition of your disability policy – and that is the focus. There are times, however, when we can work with your disability carrier to settle your case.

Are my disability benefits taxable?

That depends. If you paid the premium, then no, they are not.

Why does long-term disability deduct CPP Disability benefits?

A majority of LTD disability policies require a claimant to apply for CPP disability. Most LTD carriers will request that a claimant apply for CPP disability after two years of disability payments. Your LTD insurance company then gets to set off or withdraw your CPP monthly payment from the total sum of long-term disability payable to you.

What does my disability insurance company get to deduct from my monthly payment?

It all depends on your disability policy. However, many policies do state that the following may be deductible or offset:

1. Severance packages
2. Ontario Works benefits
3. Ontario Disability Support Plan (ODSP)
4. Workplace Safety Insurance Board (WSIB) benefits
5. Employment Insurance (EI)
6. Financial Gifts

What is the change of definition that my adjuster keeps talking about?

Generally, disability policies contain a condition that says that a person is eligible to receive benefits if he is not able from working at his own occupation for the first two years. This is known as the own occupation (“own occ”) period. After the first two years, the standard changes to a more difficult definition, requiring the individual to be disabled from performing any occupation for which he is reasonably suited (wording like “qualified, or could become qualified for, by reason of education, training or experience”). This is known the any occupation (“any occ”) period. Since the test for the own occu period is less onerous, and the insurance company’s potential exposure is lower, insurance companies will often pay benefits during the own occ period, but resist paying benefits into the any occ period. In the latter period the potential payout, especially for a young person, could be significant.  Before the “own occ” period expires, the insurer may send the insured to one or more independent medical examinations (IMEs) in order to obtain medical evidence that would support terminating the claim at the end of the own occ period or conduct surveillance.

Are you local in Hamilton?

Yes, our Disability Law Firm is located at the corner of King and James in Hamilton. From here, we serve disability claimants in Hamilton and throughout Ontario.

How long have you been practicing Disability Law?

Matt Lalande has been representing disability claimants since 2003.

Do I Have A Disability Case?


If you’ve been denied disability or your benefits have been terminated – fill in the form below.  We are more than happy to review your case and get right back to you.

    Disability Conditions
    We Can Help With

    From Breast Cancer to Bipolar Disorder  – we can help with ALL denied disability claims.

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    Long-Term Disability Medical Conditions

    Below are some of the more common disabling medical conditions which our disability lawyers have helped claimants with over the years.