If you become sick or disabled, and unable to work, you may have coverage through your employment for long term disability payments provided you can prove your claim medically. If you do not have group disability insurance through your employer and you have not purchased private disability insurance, you may have a claim for disability benefits through the Canada Pension Plan provided you have made sufficient contribution to the Plan. In Ontario, most disability policies are underwritten by large publicly traded insurance companies that handle many thousands of disability claims per year. If you are denied benefits by your insurer or you are terminated by the insurer much earlier than you or your doctor feel is fair, you likely have a valid legal action for your ongoing and retroactive benefits. Most long term disability policies potentially pay you until you turn sixty-five (65) provided you remain totally disabled from work, so a lot may be at stake. Moreover, your qualification for benefits may be important for other reasons such as ensuring that pension contributions continue to be made by your employer or that life and extended health benefit coverage remain intact. These issues can be complex. In the case of Canada Pension Plan claims, it has been our experience that the rate of initial denial is quite high. Given the limited financial resources of the Plan, it is important to try to differentiate your claim from the multitude of claims presented to the government so as to present your claim in its best light.