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Mulqueen Disability Law Proving hard-to-prove LTD claims for "invisible disabilities."

An LTD denial is stressful enough. Being told you should have applied for CPP disability can leave you wondering where y...
10/05/2026

An LTD denial is stressful enough. Being told you should have applied for CPP disability can leave you wondering where you stand.

Our most recent blog article by explores this issue, the differences between LTD and CPP-D eligibility, and why you should not assume the insurer’s position is correct.

We also talk about all the reasons why applying for CPP-D, even after an LTD denial, is important.

Read it here:
https://mulqueendisabilitylaw.com/ltd-blog/can-your-ltd-insurer-deny-your-claim-and-still-demand-cpp-d-ontario-disability-claims-explained/

One thing I wish more people knew about denied life insurance claims:A mistake on an insurance application does not auto...
09/11/2026

One thing I wish more people knew about denied life insurance claims:

A mistake on an insurance application does not automatically mean the insurer can refuse to pay the claim — particularly when the policy has been in place for more than two years.

After the two-year incontestability period, the legal test becomes much more difficult for the insurer. In many cases, simply pointing to something that was inaccurate or left out of the original application is not enough.

This is especially important because the person who completed the application has often passed away and is no longer here to explain what they understood, what they were asked, or how the application was completed.

Yet the beneficiary is left with a denial letter that can sound very final.

It may not be.

In my latest blog, I explain Ontario's two-year incontestability protection, why fraud is very different from an innocent mistake, and what beneficiaries should look for when a life insurance claim is denied.

Read it here:
https://mulqueendisabilitylaw.com/ltd-blog/denied-life-insurance-claim-after-two-years-how-strong-is-the-incontestability-protection-in-ontario/

Your long-term disability claim was denied. Now what?Your insurance company's denial letter will probably tell you that ...
08/28/2026

Your long-term disability claim was denied. Now what?

Your insurance company's denial letter will probably tell you that you have the right to appeal.

But here's something many people don't realize:

👉 You don't necessarily have to appeal before considering a lawsuit.

An appeal can absolutely make sense in the right case — especially if important new medical evidence is available.

But if the insurer already has strong evidence supporting your disability and has denied the claim anyway, simply sending the same information back and asking them to reconsider may not be the best strategy.

There is also a very important timing issue:

⏰ Don't assume that appealing your LTD denial stops the deadline for starting a lawsuit.

I wrote this article to explain the difference between appealing an LTD denial and starting a court action — and some of the questions you should be asking before deciding what to do next.

👇 Read the full article:
https://mulqueendisabilitylaw.com/ltd-blog/long-term-disability-claim-denied-in-ontario-should-you-appeal-or-sue-the-insurance-company/

If your LTD benefits have been denied or terminated, getting legal advice early can help you understand your options — and the deadlines that may apply.

General information only. Not legal advice.

Were you terminated before you applied for long-term disability benefits?You may still have a claim.Many people struggli...
08/20/2026

Were you terminated before you applied for long-term disability benefits?

You may still have a claim.

Many people struggling with chronic pain, anxiety, depression, PTSD, concussion symptoms or other disabling conditions continue working for as long as they possibly can.

Sometimes their performance begins to suffer. They miss work. They struggle to keep up. And before they ever formally apply for LTD benefits, they're terminated.

It's easy to assume that losing your job means losing your right to disability benefits.

But that isn't always the case.

One of the key questions may be whether you became disabled while your LTD coverage was still in place — even if you continued trying to work or didn't submit your application until later.

Medical records from before the termination can be especially important in these cases.

Our latest blog looks at a recent Ontario court decision and explains what you should know if you were terminated while struggling with your health.

📖 Read the full article: https://mulqueendisabilitylaw.com/ltd-blog/can-you-qualify-for-long-term-disability-benefits-after-youve-been-terminated/

“I don’t think they believe me.”It’s something we hear far too often from people living with invisible disabilities.Chro...
08/10/2026

“I don’t think they believe me.”

It’s something we hear far too often from people living with invisible disabilities.

Chronic pain. Fibromyalgia. Chronic fatigue. Migraines. Autoimmune conditions. Depression. Anxiety. PTSD.

These conditions may not always be visible — but their impact on a person’s ability to work can be very real.

Unfortunately, insurance companies may focus on things like a lack of “objective evidence,” an isolated good day, or the fact that someone appeared comfortable during a brief assessment.

But that can miss the real question:

Can this person function consistently and reliably in a work setting?

Being able to do something once — or having a good day — is not the same as being able to sustain the demands of a job day after day.

Our latest blog looks at why invisible disability claims are so often misunderstood, where the evidence can fall short, and what Ontario claimants can do when an LTD claim is denied.

📖 Read the full article on our website: https://mulqueendisabilitylaw.com/ltd-blog/invisible-disabilities-and-ltd-claims-in-ontario-why-insurance-companies-get-it-wrong-and-what-you-can-do-about-it/

It may sound like a routine phone call—but it's much more than that.The Functional Telephone Interview is one of the mos...
08/04/2026

It may sound like a routine phone call—but it's much more than that.

The Functional Telephone Interview is one of the most important parts of many long-term disability claims.

During this conversation, the insurance company isn't just asking about your diagnosis. They're assessing how your condition affects your ability to perform the essential duties of your job.

Many claimants unintentionally minimize their symptoms or describe their best days instead of what life is like most of the time.

Preparing in advance can help ensure your answers accurately reflect your day-to-day limitations.

Our newest blog explains what to expect, common mistakes to avoid, and how to approach the interview with confidence.

📖 Read the full article at : https://mulqueendisabilitylaw.com/ltd-blog/functional-telephone-interviews-with-your-ltd-insurer-what-ontario-claimants-need-to-know/

Living with a disability is hard enough. The legal process shouldn't make it harder.When you're dealing with chronic ill...
08/04/2026

Living with a disability is hard enough. The legal process shouldn't make it harder.

When you're dealing with chronic illness, chronic pain, PTSD, Long COVID, ME/CFS, anxiety, depression, or another invisible disability, even simple tasks can feel overwhelming.

Unfortunately, pursuing a long-term disability claim often adds more stress through paperwork, deadlines, interviews, and uncertainty.

At Mulqueen Disability Law, we've intentionally built our practice differently.

Our trauma-informed approach recognizes that legal representation should reduce stress—not create more of it. We strive to communicate clearly, respect your limits, and advocate for you with compassion while fighting for the benefits you deserve.

If you've ever felt overwhelmed by the disability claims process, this article is for you.

📖 Read the full blog at https://mulqueendisabilitylaw.com/ltd-blog/a-different-way-to-handle-disability-claims-trauma-informed-legal-services-at-mulqueen-disability-law/

Think your Chronic Fatigue Syndrome (ME/CFS) diagnosis should be enough to qualify for long-term disability benefits? Un...
07/03/2026

Think your Chronic Fatigue Syndrome (ME/CFS) diagnosis should be enough to qualify for long-term disability benefits? Unfortunately, it often isn't.

People living with Chronic Fatigue Syndrome (ME/CFS) frequently face unfair scrutiny from insurance companies because their symptoms are largely "invisible" and difficult to measure with traditional medical testing. That doesn't mean your claim should be denied.

In my latest blog, I explain:
✔️ Why chronic fatigue claims are so often denied
✔️ The mistakes that can weaken your claim
✔️ What evidence insurers really look for
✔️ How to strengthen your case and protect your right to benefits

If your LTD claim has been denied—or you're worried it might be—understanding the claims process can make all the difference.

📖 Read the full article here:
https://mulqueendisabilitylaw.com/ltd-blog/why-your-chronic-fatigue-claim-may-be-denied/

Termination does not always end a person's right to long-term disability benefits.A recent Ontario court decision highli...
06/08/2026

Termination does not always end a person's right to long-term disability benefits.

A recent Ontario court decision highlights an important principle: if disability arose while coverage was still in force, an LTD claim may still be available.

Our latest article examines the legal issues, the role of medical evidence, and what employees should know if they were terminated while experiencing significant health challenges.

Read more at: https://mulqueendisabilitylaw.com/ltd-blog/long-term-disability-benefits-after-termination/

This Pride Month, we recognize and celebrate the strength, resilience, and diversity of 2SLGBTQ+ communities.At Mulqueen...
06/01/2026

This Pride Month, we recognize and celebrate the strength, resilience, and diversity of 2SLGBTQ+ communities.

At Mulqueen Disability Law, we believe every person deserves to be treated with dignity, respect, and compassion — especially when navigating health challenges, disability claims, and difficult life transitions.

We know that many individuals in the 2SLGBTQ+ community continue to face barriers in healthcare, workplaces, and insurance systems. Creating spaces where people feel seen, heard, and supported matters.

Pride is about visibility, inclusion, and the right to live authentically.

This month and every month, we stand with the 2SLGBTQ+ community.

🏳️‍🌈

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