Hilborn & Konduros Law Firm

09/04/2026

Hearing from clients like this means a lot.

My goal is always to provide clear guidance, compassionate support, and the experience needed to help you navigate difficult situations, especially when your LTD benefits have been unfairly cut off.

If you're wondering what it's like to work with me, you can read more experiences from past clients on my Google Business Profile (Hilborn and Konduros)

09/03/2026

The denial letter from OTIP hits hard, threatening your stability just as you're struggling to regain strength and health.

The very idea of a clerk at an insurance company desk is describing classroom work as "sedentary" nothing short of an insult given your years of devotion to your students' needs, sparing no effort in keeping the materials and methods relevant to their everyday lives and needs.

Now, after so many months of physical and financial struggles, after endless medical tests and doctor visits, this letter is stating there's insufficient medical evidence proving you're not ready to return to the "sedentary" world of work…

Read more:

If OTIP denies your long-term disability claim in Ontario, save the denial letter, record every deadline, and request the policy terms and reports used to make the decision.

09/02/2026

If you receive Long-Term Disability benefits or a Long-Term Disability settlement, one question matters: Will this money be taxed?

09/01/2026

Some personal injury cases are difficult. This one was 13 years old.

My client had been through different lawyers. At times, she represented herself.

The insurance company behind the defendant was Aviva. And they fought the case very hard.

But the age of a case does not automatically make it hopeless.

What matters is the evidence.

In this case, there was a 911 recording.

There was evidence about what the business owner knew.

There was expert evidence about my client’s injuries.

And there was a jury willing to listen.

A hard case is not always a losing case.

Sometimes it just needs the right evidence put in the right way.

And you need the right lawyer: Rob Konduros.

08/28/2026

If you just got a letter about an Independent Medical Examination from your long-term disability insurer, you may feel a very specific kind of stress.

You are already exhausted from appointments and paperwork, and now you’re being told your benefits are 'in danger' unless you attend one more exam.

The problem is that an IME is an insurer-scheduled assessment designed to evaluate your condition and, most importantly, your functional limits for work.

Here’s the issue most people do not realize until it's too late:

IME timing is often connected to the 24-month change in many Ontario LTD policies, when the test can shift from being unable to do your own job to being unable to do any occupation you are reasonably suited for.

And IME results can be used to support a reduction or termination of benefits, even if you have years of treating-doctor notes.

This is why people walk into IMEs thinking, "I just need to be honest," and walk out shocked by what shows up in the report later.

08/27/2026

After so many months in a nightmare of physical and financial struggles, you’re afraid there might be new struggles ahead. After months and months of endless paperwork, interviews, medical tests, and negotiations, your LTD company has finally offered a settlement.

What’s more, you’ve learned, you qualified for some back pay from your employer. Worried these many months about supporting your family, you know you should feel relief and gratitude; instead, you find yourself experiencing a high level of anxiety about the future.

While unable to work, you had no reason to be concerned about taxes; HR at your employer simply withheld the proper amount for federal and provincial tax, and usually, at year-end, you would qualify for a small refund.

Now, you’re terrified of making a mistake when it comes to signing the papers.

The language in the agreement is filled with legal terms you don’t fully understand. A portion of the settlement, you always knew, would need to go towards satisfying the legal fees. But, will the tax authorities also be coming after you for a big share of the benefit. Are you and your family fated to remain mired in debt, barred from making any future claims?

Read more:

The answer usually depends on who paid your Long-Term Disability insurance premiums. An LTD settlement is not automatically tax-free.

08/26/2026

Your Long-Term Disability policy says you must wait 90 or 180 days

08/25/2026

Aviva tells one story in Ontario. It tells another story to shareholders.

Aviva fights personal injury cases very hard.

That is not surprising.

But here is what bothers me.

In car accident cases, insurers often tell the Ontario government how difficult it is for them to make a profit.

Then you look at what Aviva tells its shareholders.

In March 2026, Aviva announced that its 2025 operating profit was up 25 percent.

They also said they had achieved their 2026 financial targets one year early.

So when an injured person is treated like the problem, remember who is on the other side.

This is not a small company struggling to survive.

This is a major insurer with very deep pockets.

And when they refuse to deal fairly with an injured person, sometimes the answer is simple.

You take them to court.

08/24/2026

Don't try to handle your long-term disability case against the insurance company by yourself