Need a personal injury lawyer to help manage your disability insurance claim?

The team at Leone Murray LLP is by your side. We help injured parties and their family members navigate the complexities of disability insurance claims.

Our team will manage insurance claims on your behalf, while we have the expertise and experience to take your case to court if necessary to obtain the compensation you deserve. If your disability claim has been denied or terminated, our team will fight for the coverage you're entitled to under the applicable contract of insurance. That means working with you and your loved ones to understand your insurance claim, key details of your lifestyle and how your future could be impacted while clearly explaining your rights and the insurance coverage you should expect.

As a Leone Murray LLP personal injury client, we’ll treat you like a member of our family—advocating on your behalf, every step of the way.

We can help

Book your free consultation today

This field is for validation purposes and should be left unchanged.

Why you should choose Leone Murray LLP if your disability claim is denied

Expertise

Our law firm specializes in personal injury law, which means we know the ins and outs of insurance claims, what you’re entitled to, and the next steps if you or your loved one have had an insurance claim denied.

Compassionate Care

We take a client-first approach, ensuring you receive both the legal expertise and emotional support you need during this difficult time.

No Upfront Fees

Some insurance providers may require you to take on additional costs related to medical assessments or specialist treatments. We pay the majority of these upfront fees on your behalf while fighting for your rights, saving that added stress so you can focus on your complete recovery.

Book a free case assessment with a member of our personal injury law team

Results that transform lives

The Leone Murray LLP team has helped countless clients that have had a disability insurance claim denied by their group insurance plans. Read our client success stories:

Meet the Leone Murray LLP team

Our personal injury lawyers bring over 50 years of combined experience advocating for clients who have suffered personal injuries and have been denied or obtained limited coverage when making a disability insurance claim.

We help clients with disability insurance claims, helping them access the income they need to manage:

  • Everyday living expenses
  • Medical treatment costs
  • Rehabilitation and recovery services

We’ve helped countless individuals and families get the financial support they’re entitled to after an injury and claim denial.

Been disappointed in a disability insurance claim?

Personal injury lawyers serving Central and Southern Ontario

We proudly serve Toronto, Collingwood, Wasaga Beach, Stayner, Meaford, Owen Sound, Southampton, Saugeen Shores, Port Elgin, Owen Sound, Kincardine, Haliburton, Haliburton County, Kawartha Lakes, Algonquin Highlands and communities across Southern Georgian Bay.

*Click on an office location for directions

What to do after a disability insurance claim denial

Receiving a denial for your disability insurance claim can be overwhelming—especially when you're already dealing with the physical, emotional, and financial impact of an injury or illness. If your claim has been denied or your coverage disbursement is less than you expected, there are important steps you can take to protect your rights and pursue adequate benefits. Here are some key steps to take in the wake of disability insurance claim denial to ensure you obtain the compensation to which you’re entitled.

Frequently asked questions

At Leone Murray LLP, we represent clients in a wide range of personal injury cases, including motor vehicle accidents, slip and falls, pedestrian accidents, wrongful death claims, and accident benefit disputes. Our goal is to help you recover compensation for your injuries and losses.
We operate on a contingency fee basis, meaning you do not pay any legal fees upfront. Our fees are only paid if we successfully recover compensation for you through a settlement or court award.
With our contingency fee arrangement, you do not have to pay any upfront legal fees. We advance the majority of necessary costs to move your case forward.
Our contingency fee percentage is competitive and complies with Ontario law. The exact percentage will be clearly explained and outlined in your retainer agreement during our first consultation, so there are no surprises.
If we are not successful in recovering compensation for you, you do not owe us any legal fees. However, you may still be responsible for certain disbursements (out-of-pocket expenses) unless otherwise agreed upon.
In Ontario, the general limitation period to file a personal injury claim is two years from the date of the accident or injury. However, there are exceptions and strict notice requirements for certain cases (e.g., municipal claims), so it’s important to consult a lawyer as soon as possible.
For your first consultation, please bring any relevant documents, including medical records, accident reports, insurance information, photographs of your injuries or accident scene and any correspondence with insurance companies.
The timeline can vary depending on the complexity of the case and whether it settles or goes to trial. Many cases settle within 1–3 years, but more complex matters may take longer. We are committed to moving your case forward efficiently while maximizing your compensation.
Yes. If you are dissatisfied with your current representation, you have the right to change lawyers. We can assist with a smooth transition and ensure your rights are protected throughout the process.
We believe in open, frequent communication. You will receive regular updates regarding your case’s progress, and you are always welcome to contact us with any questions or concerns at any time.

Did you know?

01

A significant portion of long-term disability (LTD) claims in Canada are initially denied. Reasons vary but could include disagreement over whether the claimant is “totally disabled.”

02

Appealing directly to an insurer isn’t always effective. In many cases, filing a claim through a lawyer is the best option to obtain coverage.

03

There are limitation periods (usually 1–2 years from the date of denial) to launch a lawsuit. Missing a deadline could mean permanently losing the right to challenge a claim denial.

04

Claims involving mental illness (e.g., depression, anxiety, PTSD) are denied at higher rates than physical illnesses. This is often due to subjective stigma.

Live life on your terms and take back control after a disability insurance claim denial

Recognized for legal and service excellence

The Leone Murray LLP team has been recognized with multiple awards including in the 2025 Canadian Legal Lexpert® Directory and in the Best Lawyers ranking.

What our clients say

“I couldn’t have been more happy with the outcome. James and his team were caring and compassionate from the start of a very long and trying case. They were always available and helpful to answer any questions and explain the process. Without their compassion and perseverance I’m sure things would have turned out differently, they had my back and I trusted them. They were committed to me and ensuring I would get the settlement I deserved, they stood by my side to the end. It would be hard to express how grateful I am to have had Leone Murray LLP as my representation.”

Adam Knight

“I can’t thank Leone Murray and their team enough for the outstanding service they provided for my dad. As his daughter, I was nervous about the legal process, but Michael Unea was always available to answer our questions and address any concerns we had, no matter the time. They made sure we felt informed and supported every step of the way. Their professionalism, expertise, and genuine care for my dad’s case truly made a difference. We are so grateful for everything they did to help my dad and his case.”

Lucia Verrelli

“I was very skeptical at retaining someone to help me with my injury but the team at Leone Murray LLP actually listened to what I had to say and sympathized with what I went through. It was through hard work, perseverance and dedication that Leone Murray LLP reached a settlement that helped me move on with my life. David Edwards is a fantastic litigator and his commitment to professionalism was consistent throughout my ordeal.”

Andrij Dykowytsch

“James and his team were extremely helpful, represented both myself and my young daughter for many years after being involved in a motor vehicle accident. James made us feel comfortable and developed a great trusting client relationship with us. He was always there to offer help and advice when needed. I would highly recommend James and his team to represent anyone that needs professional representation with their case. They definitely know what they are doing! Keep up the great work!”

Sherry S.

“James Leone represented me in an MVA case. The experience was emotional and stressful but I had James fully on my side and he was the best advocate for me. James is very transparent, passionate about his work and gets results. Even in high emotion situations, James remains a calming presence to be around. Endless thanks on helping me reach a fair outcome in my case!”

Michelle M

Supporting the communities we serve

The Leone Murray LLP team is passionate about giving back to the communities we serve across Southern and Central Ontario. Read about how our lawyers rocked out in support of Kincardine Hospital.

Learn more about our practice areas

  • Motor Vehicle Accident Lawyer

  • Slip, Trip and Fall Accidents

  • Disability Insurance Claim Lawyer

  • Medical Malpractice

  • Assault Victim Lawyer

  • Dog Attack Lawyer

  • Insurance Dispute Lawyer

  • Product Liability Claims Lawyer

  • Sporting Accidents

  • Catastrophic Motor Vehicle Injury Lawyer

  • Product Liability Lawyer

  • Occupier’s Liability Lawyer

  • Vehicle / Commercial / Personal Property Damage Lawyer

  • Recreational Liability Lawyer

  • Commercial General Liability Lawyer

  • Insurance Coverage Disputes

  • Contract Disputes

  • Appellate Litigation